ATM Security: 6 ATM Safety Tips For Safe Transactions

1. Choose the Right ATM Location

One of the most crucial aspects of ATM safety is selecting a secure location for your transactions. Always use ATMs that are in well-lit, busy areas, preferably inside bank branches or near security cameras. Avoid using ATMs in isolated or poorly lit locations, as these are more likely to be targeted by criminals.

• Bank Branch ATMs: Using ATMs located inside or near a bank branch offers added security, as these machines are more likely to be monitored by security personnel and cameras.

• 24/7 Surveillance: Opt for ATMs that are under constant video surveillance, as this deters criminal activity.

2. Be Aware of Your Surroundings

Before approaching an ATM, take a moment to assess your surroundings. If you notice anything suspicious or feel uncomfortable, trust your instincts and find another ATM. Always stay alert while using an ATM, and be cautious of anyone loitering nearby or attempting to distract you.

• Check for Skimmers: Skimming devices are often attached to ATMs by criminals to steal card information. Before inserting your card, inspect the card reader for any unusual attachments or devices that seem out of place.

• Avoid Distractions: Focus on your transaction and avoid engaging with strangers who might try to distract you while you're using the ATM.

3. Shield Your PIN

Protecting your Personal Identification Number (PIN) is vital to ensuring the security of your ATM transactions. Always cover the keypad with your hand or body when entering your PIN to prevent anyone from seeing it, whether in person or via hidden cameras.

• Memorize Your PIN: Avoid writing your PIN down or storing it in your phone. Memorizing your PIN helps protect you if your wallet or phone is lost or stolen.

• Change Your PIN Regularly: Regularly updating your PIN can reduce the risk of unauthorized access to your account.

4. Use the “Cancel” Button

If you notice anything unusual during your transaction, such as the ATM behaving erratically or your card not being ejected immediately, press the “Cancel” button and remove your card. It’s better to err on the side of caution than to risk compromising your account information.

• Avoid Card Traps: Criminals sometimes use card traps to retain your card within the ATM. If your card is stuck, do not leave the machine; instead, contact your bank immediately and follow their instructions.

5. Monitor Your Bank Statements Regularly

Regularly reviewing your bank statements and transaction alerts can help you quickly identify any unauthorized transactions. Most banks offer mobile or email alerts for transactions, which can be an effective way to monitor your account in real-time.

• Report Suspicious Activity: If you notice any unfamiliar or unauthorized transactions, contact your bank immediately to report the activity and take steps to protect your account.

• Set Transaction Limits: Consider setting daily withdrawal limits on your account to minimize potential losses in case of fraud.

6. Secure Your Cash and Card 

Once your transaction is complete, immediately secure your cash, card, and receipt before leaving the ATM. Avoid counting your cash in public or lingering at the ATM, as this can attract unwanted attention.

• Dispose of Receipts Safely: If you don’t need the receipt, dispose of it securely by shredding it or taking it with you. Receipts can contain sensitive information that could be exploited by criminals.

• Stay Alert: Even after your transaction, remain vigilant as you leave the ATM area to ensure you are not being followed.