Smart ways to avoid ATM fraud

Always safeguard your information by following these steps when using an ATM:

• Maintain a safe distance from others in line. Do not allow anyone to distract you or offer assistance.

• Have your card out of your purse or wallet and ready for use.

• Stand close to the screen and shield your keystrokes from cameras and others waiting in line by using the knuckle of your middle finger to key in your PIN.

• If you think the ATM is not working properly, press cancel, remove your card, and report the machine to your financial institution.

• Secure your cash and card, and make sure the transaction is complete and the screen is clear before leaving the ATM.

• Keep your printed receipt to compare against your bank statement.

Watch for signs of foul play at ATMs

When choosing an ATM, keep the following things in mind:

• Use a familiar and trusted ATM, preferably one attached to your bank. Avoid using ATMs in unfamiliar or remote locations, or around suspicious persons.

• Check the card slot, keyboard and machine for signs of tampering. Do not use the machine if the card slot jiggles, the keyboard has an overlay or anything else seems suspect.

• Look for security cameras on the machine and in the vicinity. If they appear suspicious, do not use the ATM.

• Avoid ATMs with signs or messages affixed to them. Banks and legitimate ATM owners do not direct customers to another machine with signs attached to the machine itself.