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ATM/ITM Scams

Man looking at somebody using an ATM

Automated Teller Machines (ATMs) and Interactive Teller Machines were created to provide fast and convenient access to money for our members. As with any financial transactions, there is a potential of fraudulent activity on these types of machines.

Criminals are constantly updating the technology on their electronic devices to capture your personal information on ATM/debit and credit card readers. There are also basic ways to obtain your information like shoulder surfing or obvious theft at certain machines. Educators keeps up-to-date on the latest of certain ATM/ITM scams and does their best to prevent this fraudulent activity on our machines. Keep reading to learn how you can stay safe while using any type of card reading devices whether is it at a grocery store, gas station or financial ATM/ITM.

Take measures to keep your accounts secure

  • Treat your Educators ATM card like cash and keep it secure.
  • Do not share your account number or PIN with anyone.
  • Check your accounts often through Educators Online or Mobile Banking.

At the ATM

  • Be aware of your surroundings; if the ATM area looks suspicious or is very poorly lit, leave immediately.
  • Inspect the card reader for signs of tampering (scratches, loose materials, tape residue) or addition of skimming devices, if you notice anything out of the ordinary, do not use it.
  • If you’re prompted for your PIN twice or get an unusual message, do not use the machine.
  • Shield the number keypad with your other hand while entering your PIN.
  • Do not let anyone help you enter your PIN or make a transaction.
  • Do not count your cash at the machine.

At the ITM

  • Inspect the card reader for signs of tampering (scratches, loose materials, tape residue) or addition of skimming devices, if you notice anything out of the ordinary, do not use it.
  • Be aware of your surroundings, if someone is suspiciously close to you before you conduct your transaction, politely ask them to back away do not use the machine.
  • Use the phone receiver instead of the speaker on Educators ITMs to protect your privacy.
  • Shield the number keypad with your other hand if you choose to enter your account number with the keypad.

Notify us immediately if

  • You think the ATM has a skimming device on it.
  • The machine will not eject your card.
  • The cash you requested does not dispense.
  • You do not gain access to your account with your current PIN.
  • You cannot remember your PIN and need to have it reset.

What we’re doing to keep your account safe

  • Educators will not make unsolicited requests for your personal information.
  • Educators may occasionally ask for pieces of your identity or security questions to verify access to your account.
  • We will never reveal your sensitive information or PIN to anyone.