ATM Skimming: what is it and how can you protect yourself?

Thieves have numerous ways to get ahold of your financial information. With skimming scams, you may hand over your information without even knowing it. By implementing innovative safety measures and educating yourself on what to look for, we can work together to keep your financial information secure and confidential.

What is ATM skimming?

Skimming is the theft of credit/debit card information by a device placed in, on or around an ATM. These devices easily allow criminals to secretly gather financial data for later use in fraudulent activity, like counterfeit ATM cards and online purchases.

How does ATM skimming work?

Typical ATM skimmers are small devices that fit over the existing card reader at an ATM, as well as a small camera or fake PIN pad. The card reading devices gather information from the magnetic stripe on your card and transmit data to a criminal nearby while the camera or PIN pad records your PIN digits.

What security measures does TruStone Financial have in place for members?

At TruStone Financial, member security is our top priority. That’s why we have multiple security measures in place to keep your future transactions safe from skimming attacks.

Internal process reviews and technology enhancements help to ensure the best security features are in place to block against potential threats.

Not only is the credit union hard at work keeping branches secure, but we have dedicated staff behind-the-scenes who are constantly monitoring your accounts for fraudulent charges or suspicious activity. Should something seem out of place, TruStone Financial will contact you and take the appropriate action to keep your financial information safe.

Here’s what you can do to help protect yourself at the ATM:

  • Protect your PIN – no matter where you are, cover your hand. This makes it harder for cameras to record your PIN and it prevents someone from watching what you enter.
  • Stay aware – if something looks odd, walk away and find a different machine. When the card reader and PIN pad seems loose, report it immediately.
  • Don’t accept “help” – if you get offers from strangers, decline and leave.
  • Take your receipt – if you’ve elected to receive a receipt at the ATM, make sure to grab it after your transaction is complete to avoid giving that information to the next person in line.

While not all scams are preventable, we can work together to ensure that your financial information is safe and protected during ATM transactions. To find an ATM near you, visit our ATM/Branch Finder.

For additional member security tips, click here.


Editor’s note: Segments of this article were taken from and