ATM and ADT devices offer enhanced functionality and convenience to customers, allowing 24/7 transacting and whilst ATMs are convenient, it makes sense to exercise caution and vigilance when transacting.
As the festive season nears, extra caution needs to be taken when using ATMs. Scammers are constantly looking for ways to defraud unsuspecting customers.
Thankfully, there are safety precautions that if followed, can lessen the chance of being conned. Should you suspect that you have fallen victim to ATM fraud or be interrupted whilst transacting, you should cancel the transaction immediately.
You can also cancel your cards via an ATM and for added convenience, re-order the cancelled card at an ATM device, should your cards be lost or stolen.
Tips for protecting your ATM PIN
- Keep your ATM PIN confidential, never share it with anyone, not even with friends and family and don’t write it down or keep it stored on your phone.
- Don’t make your PIN combination easy to guess –birth dates are easy to decipher
- When transacting, cover the key pad with your hand as scammers can place cameras at an ATM to record your PIN as you punch it in.
- Stand as close as possible to the ATM and never let anyone stand close or distract you whilst transacting. If you are disturbed, whilst transacting at the ATM, your card may be skimmed, by being removed and replaced back into the ATM without your knowledge. Cancel the transaction immediately.
- Do not enter your PIN on a screen that is unfamiliar to you. Always wait to be promoted and arefully read the instruction on the ATM screen before entering your PIN.
Tips for protecting your cash
- Once cash has been withdrawn, immediately place this out of sight. Avoid handling cash in public view and secure your wallet and handbag before leaving the ATM.
- Set a realistic daily limit on your banking to protect yourself, should your details be compromised. Check your statements regularly and report suspicious transactions immediately.
- Be wary of strangers that may call you back to the ATM to complete a transaction. They often ask for assistance or offer to assist you. Once you have completed your transaction, leave as soon as possible and avoid conversation with strangers.
If you suspect that your card has been lost or stolen you can cancel it on any FNB ATM or on the FNB App. To cancel it on an ATM follow the prompts on-screen:
- Select Lost/Stolen
- Select Card Cancellation
- Key in your ID number
- Key in the PIN for the last card you used and select Cancel Card
- Select the card/s you want to cancel and your reason for cancellation
Your card/s will be cancelled and blocked, which will prevent it from being used by anyone without your consent. However, your bank account will not be closed and you will still be able to access your account and do everyday banking transactions including cardless withdrawals using our eChannels. You can reorder your cancelled card at the ATM.
- Never ask for help from strangers, even the security guard – if you are unsure, visit a nearby branch for assistance.
- Never force your card into the ATM – if the card is not easily accepted by the device, it may have been tampered with by criminals and never use an ATM if it looks faulty or shows evidence of tampering.
- Pay attention to your surroundings and be alert – look out for loiterers.
FNB has various security measures in place to ensure the safety of customers. That being said, we also believe customers have a role to play in the fight against ATM fraud.
This article first featured on FN’s website – read article article here