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ATM Safety Tips

The Bank's Role

To ensure customer safety at ATMs, banks are putting ATMs in areas that are visible by passers-by, trimming landscape to prevent potential criminals from hiding, and installing or upgrading lighting that is bright enough for use at night. Some banks also have installed cameras, rear-view mirrors, panic buttons and special signs. And most banks limit the amount of cash that can be withdrawn on a daily basis.

The Customer's Role

Bank customers should always use common sense when using an ATM. These tips are a start, but the best advice is simply not to use an ATM if you feel at all uncomfortable doing so. ATMs provide convenience, buy they haven't replaced the bank teller. If you prefer, conduct your business in the bank lobby. Exercise care when using an ATM, and follow these general rules:

Protecting Your ATM/debit Card

  • Always protect your ATM/debit card and keep it in a safe place, just like you would cash, credit cards or checks.
  • Do not leave your ATM/debit card lying around the house or on your desk at work. No one should have access to the card but you. Immediately notify your bank if it is lost or stolen.
  • Keep your Personal Identification Number (PIN) a secret. Never write it down anywhere, especially on your ATM/debit card. Avoid using PIN numbers that are easily identifiable.
  • Change your PIN periodically, and, if you think it may have been compromised, change it immediately.
  • Never give any information about your PIN number (including the police, bank employees, etc.).

Using an ATM

  • Be aware of your surroundings, particularly at night. If you observe or sense suspicious persons or circumstances, do not use the machine at that time.
  • Have your ATM/debit card ready and in your hand as you approach the ATM. Don't wait to get to the ATM and then take your card out of your wallet or purse.
  • Be careful that no one can see you enter your PIN at the ATM. Use your body to "shield" the ATM keyboard as you enter your PIN into the ATM.
  • To keep your account information confidential, always take your receipts or transaction records with you. Make sure you retain your transaction receipt. Do not throw the receipt away at the ATM site.
  • Do not count or visually display any money you received from the ATM. Immediately put your money into your pocket or purse and count it later.
  • If you are using a drive-up ATM, be sure passenger windows are rolled up and all doors are locked. If you leave your car and walk to the ATM, lock your car.
  • Regularly check your account balance and bank statements and report any discrepancies immediately.

Special Precautions for Using an ATM at Night

  • Park close to the ATM in a well-lighted area.
  • Take another person with you, if at all possible.
  • If the lights at the ATM are not working, don't use it.
  • If shrubbery has overgrown or a tree blocks the view, select another ATM and notify the bank.

Report Lost Cards Immediately

If you believe your debit card or credit card has been lost or stolen, please report it immediately by calling us at (850) 386-2225. If you've lost your card after business hours, please call our 24-hour Customer Service Center at (850) 504-0478 and press 4.

Summary

As far as your security is concerned, you can never be too careful, too prepared or too aware. Always use common sense when using an ATM. We recommend that you always use an ATM during daylight hours. The tips here are a start, but the best advice is simply not to use an ATM if you feel at all uncomfortable doing so. Please let the bank know whenever you notice anything out of the ordinary at an ATM.