Ten safety tips to reduce risks at ATM counters

ATM brings great convenience to people. They can withdraw or transfer money at anytime and at any place. But along with this convenience, some safety issues have emerged. A robber looking for easy prey has to stake out an ATM in low traffic, dimply lit area and bide his time. There is no such central repository for statistics on ATM crime. However, the reports of ATM robberies frequently can be found in local newspapers.

ATM machines at banks are probably much safer, though, it does not mean that you will get that same safety at malls, airports and sports venues. You can avoid becoming such victim by using some good common sense and by planning ahead for ATM withdrawals. The Electronic Funds Transfer Association and Los Angeles Police Department have provided some great tips for making it sure your visit to the ATM is uneventful. Here are the ten useful security tips to reduce risks at ATM counters.

1. Always pay close attention to the ATM and its surroundings. Use an ATM located near the center of a building. Never go for the ATM at the corner of a building. Try to do your automated banking in public and well lighted location.

2. Maintain awareness throughout the entire transaction process. Be aware of those people who will try to help you with ATM transaction. When leaving an ATM, make sure that you are not being followed. If you drive immediately to a police or a fire station or to a crowded, well-lighted location in business.

3. Do not use an ATM that appears unusual looking or offers options with which you are not familiar or comfortable.

4. Do not allow people to look over your shoulder to enter your PIN. Memorize your PIN number and never write it on the back of your card. Do not re-enter your PIN if the ATM eats your card. You can contact a bank official.

5. Never count cash in front of the machine or in public. Wait until you are in your car or another secure place.

6. While using a drive up ATM, keeps your engine running. Your doors need to be locked and leave enough room to plan between your car and the one ahead of you in drive up line.

7. Maintain a supply of deposit envelopes at home or in your car. Prepare all transaction paperwork prior to your arrival at the ATM. This will surely minimize the amount of time spent at the machine.

8. You should monitor your bank statements properly, as well as your balances and immediately report any problems to bank.

9. While using an indoor ATM that requires your card for access, you should avoid letting unknown people with you.

10. Report your lost or stolen card immediately and sign into your new or replacement card as soon as you receive it.