We will never ask you for your full social security number, PIN or one-time passcode (OTP).  If you are concerned about an automated message, do not respond and call the company in question directly by using the contact information listed on the company's legitimate website.  Do not contact anyone by using the contact information provided in the email, text or phone call and never click on a link found within the email or text message.

Always keep your two-factor authentication codes private and never provide them to anyone via phone.   These codes should only be used to sign into the banking, merchant or payment account when trying to access it.

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ATM Safety Tips

Protecting Your ATM Card

Always protect your ATM card and keep it in a safe place, just like you would cash, credit cards or checks.

Do not leave your ATM 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 card.

Never give any information about your ATM card or PIN over the telephone. For example, if you receive a call, supposedly from your bank or possibly the police, wanting to verify your PIN, do not give that information. Notify the police immediately.


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 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.

Visually inspect the ATM for possible skimming devices. Potential indicators can include sticky residue or evidence of an adhesive used by criminals to affix the device. Also look for scratches, damaged or crooked pieces, loose or extra attachments on the card lot, or noticeable resistance when pressing the keypad.

Be careful that no one can see you enter your PIN at the ATM. Use your other hand or 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.

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.


Special Precautions for Using an ATM at Night

Park close to the ATM in a well-lighted area.

If possible, take another person with you.

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 your bank.


ATM Crime

These tips are meant to make you aware that although rare, ATM crime can happen. Preventing such a crime must be a cooperative effort between you and your bank.