It seems we hear all too often about some form of fraud - whether it be identity theft through an email scam, debit card/credit card hackers using your card number to make purchases, or so-called businesses calling people at home and asking for their bank information. As consumers, we all need to be aware of these scams and know how to protect ourselves from them.
Please keep in mind that a bank will never contact you for personal information, always make sure to tell the person on the phone that you do not give out that type of information, immediately hang up, and then contact your bank to let them know what happened. The easiest way for ID theft to happen is by scammers obtaining your bank account number or social security number - NEVER, EVER give that information out over the phone or via an email. No legitimate company will ask you for that.
Another thing to be aware of is ATM fraud. As I was listening to the radio last night, the announcers were discussing a new scam that muggers are attempting. Here is what happens; the mugger will watch someone use an ATM, wait for them to go to their car, and then they knock on the car window with a $20 bill in their handing claiming it was left it at the machine. When they get that person to open their door or roll down their window, that is when they rob them.
It may seem scary, but nowdays we all just need to be extra cautious of our surroundings, especially while using an outdoor ATM that you walk up to. Safety should always be your first concern when making a withdrawal at an ATM. Following are some good tips to keep in mind:
Pay attention to your surroundings. Consider taking a friend with you if you use an ATM at night or in a deserted area.
Park in a well-lit area close to the ATM, and prepare your transactions before approaching the ATM.
Close the entry door completely upon entering an ATM facility equipped with a door.
Do not permit any unknown person(s) to enter an ATM facility with you after regular banking hours.
If you notice something suspicious or feel uncomfortable, cancel your transaction and leave the ATM immediately.
Report all crimes immediately to the operator of the automated teller machine or to local law enforcement.
When using an ATM or point-of-sale (POS) terminal, shield the keypad while entering your PIN number. Whenever possible, use your body as a shield.
Put your cash in your handbag or pocket immediately; wait to count it until you get home or are safely in your car (with the doors locked).
Memorize your PIN number. Do not write your PIN number on your card and never give your PIN number to anyone. The bank will not call you to request the information
Always remember to protect your ATM card as you would cash, checks, or credit cards. Report lost or stolen cards immediately.
ATM/Debit cards are a safe and convenient way to instantly access your cash, offer worldwide acceptance, and the funds come directly out of your checking account. And because purchases and ATM withdrawals are listed on your monthly statement you can track your spending, and can notice immediately if there are unauthorized charges being made. You simply need to be vigilant in your efforts to protect your card and your personal information. We encourage you to visit our online education center at http://www.reliabank.com/. There you will find a wealth of information about avoiding ID theft and fraud.
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