The first of these three problems is to the ATM machine or installation itself. It is possible that an attack could be made upon an ATM machine in order to steal the money in it. If they are located within a building, it is preferable they be built into a wall rather than be free-standing. They should also be monitored by closed-circuit television installations.
If the ATM is built into a wall with a room for servicing the machine behind the wall , it is recommended that a CCTV camera be installed behind a one-way mirror slightly above the machine. This one-way mirror will also allow patrons to see who is behind them. Doing so provides a greater opportunity to identify someone engaged in illegal activity. If color CCTV cameras are used, metal halide lighting or lighting that has been corrected for color camera applications should be used.
If located within a building, the room or area where the ATM is located should have floor to ceiling walls, and should have neither dropped ceilings or plaster walls. While it will usually not be the responsibility of the local law enforcement agency to provide protection for these individuals, it would be prudent for the department to be aware of what their prescribed safety and security procedures are.
These persons should wear an identifiable uniform and always possess proper identification credentials. A robbery of a person using an ATM is the most serious concern related to their presence.
A would-be robber will obviously know an individual using an ATM will usually leave the machine with cash money in their possession after withdrawal of funds. In addition, if an individual is the victim of an ATM robbery, other personal property such as wallets, purses, credit cards and jewelry will often be taken. The following are a number of ATM safety and security tips.
These tips or suggestions can be included in a crime prevention brochure or flyer, poster, student and employee newspaper, electronic mail presentation, internet webpage, verbal presentation, videotape presentation, etc. If someone approaches your vehicle on foot, cancel the transaction and leave. Then, keep your keys handy so you can re-enter your vehicle quickly after completing your transaction. Never approach an ATM if the lights at the site are not working.
Particularly after dark, take a companion along to the ATM, if at all possible, and park close to the ATM in a well lighted area. When you are using the ATM and someone is closer to you than you would like them to be, ask them politely and tactfully to step back a few steps. If they do not do so, cancel your transaction and wait in your locked vehicle or other safe location until that person leaves —— or possibly go to another ATM. Before you approach the ATM, have your card ready, know your code and if anything such as a deposit slip needs to be filled out, have it completed.
If making a deposit and you do not have a deposit envelope, obtain one from the storage section of the ATM and fill it out in your locked vehicle or other safe locations before you return to the ATM. Select a PIN that is different from other numbers noted in your wallet or purse, such as your address, birth date, telephone or social security number.
When using the ATM, stand directly in front of the keyboard, blocking the view of others. Do not enter the PIN if anyone else can see the screen. If you are having problems, contact your financial institution. When your ATM transaction is completed, immediately take your property —— card, receipt, money, etc.
Never stand and count your money. You can count it later. If your transaction is inaccurate, you cannot discuss it with the machine. Thus, there is no need to count your money at the ATM and risk exposing yourself to a would-be criminal.
ATM robberies often occur after the patron has completed their transaction. Always have your head up and be aware of your surroundings when you leave an ATM. If you feel or sense someone is following you, walk or drive to the nearest open business or where there are a lot of people and call the police. Never tell your access code or PIN to anyone! Never lend your ATM card to anyone; treat it like cash or a credit card. If you lose, misplace or have your ATM card stolen, notify the card issuer immediately.
If unauthorized use occurs before you report it, the amount you can be held responsible for depends upon how quickly you report the loss to the card issuer.
If within 60 days after your bank statement is mailed to you, you do not report an unauthorized transfer or withdrawal, you risk total loss of funds. Consider buying a card registration service.
Many companies offer card registration and protection services that will notify all companies where you have credit and ATM card accounts in case your card is lost or stolen. With this service, you make only one telephone call to report all card losses instead of calling each card issuer individually.
Also, most card registration services will request replacement cards on your behalf. The team sits nearby in a car receiving the information transmitted wirelessly over weekends and evenings from equipment they install on the front of the ATM.
If you observe an attachment that is illustrated in the accompanying photos do not use the ATM and report it immediately to the bank using the numbers or phone on the front of the ATM. At the same time, a wireless camera is disguised to look like a leaflet holder and is mounted in a position to view ATM PIN entries.
The thieves copy the cards and use the PIN numbers to withdraw thousands from many accounts in a very short time directly from the bank ATM. Skimmers can also be handheld devices that a dishonest merchant can keep in his pocket. Skimming Scam Prevention Strategies: Use secure ATM machines — under video surveillance or inside of a bank lobby.
Thieves have to take more risk installing skimmers where there are security cameras. Skimming devices will stick out a few extra inches from an ATM. If something looks suspicious, find another ATM. If a machine keeps your card, call the bank immediately and report it. They may say they were having trouble also and you just need to enter your PIN again. Keep your eyes on your card if you have any doubts.