'ATM-hackers' are on it again these past few weeks. Though banks will return your 'robbed' money, you can actually help prevent it from happening. Here are some simple tips to prevent these ATM 'robberies'.
1. DON'T LET THEM SEE
Cover your hand when typing. Even if there's a PIN shield, cover your typing hand with the other when pressing your 4 or 6 digit pin combination. This will prevent installed camera above from capturing you security code combination.
2. DON'T LET THEM KNOW
Check for the blinking lights. Those blinking lights you see in the card slot are devices to prevent ATM skimming. When a skmming device is installed in an ATM machine, the lights will be blocked. So, make sure you see those blinking lights. Read: How to spot ATM and pin skimming device
3. BLOCK ACCESS
Change PIN regularly. Or if you feel that the last ATM you used was able to capture your PIN. Do it every 3 months or as often as every month. Also, it's worth mentioning to avoid using '1234', birthdays or any common number combinations as your PIN code.
4. USE TRUSTED ATMs ONLY
Use guarded ATMs. If possible, only withdraw from ATM machines with assigned security personnel or those machines that are located inside secured buildings or areas.
5. TRANSFER TO OTHER ACCOUNTS
Drain your ATM account. You might want to withdraw your money right away and hold it physically or you may want to transfer it to other account. Some banks offer 'online-only' accounts. It became a habit to me that every payday, I only leave small amounts in my ATM (just the daily allowance) and transfer everything to my online-only account.
Help the banks by reporting suspicious ATM machines or machines you believe might have been compromised. Hope these simple tips help you prevent ATM skimming that will lead to loss of money from your accounts. Be safe!