Card skimming involves thieves using devices like fake card slots, cameras, and mobile phones to steal private data from debit, credit, and ATM cards. The FBI estimates this fraud costs consumers and financial institutions over $1 billion annually, highlighting its widespread danger.

The most common devices used to collect, or skim, your information include fake card slots, cameras, and mobile phones. Skimmers often target gas stations, retail stores, and ATMs. Handheld skimming devices can also be used at restaurants as you pay.

Although skimmers can be hard to spot, they can be identified through visual and physical inspection. Here are a few things to look out for:

  • Alignment issues: Check if the card reader or keypad sticks out at an odd angle, covering text or buttons.
  • Compare nearby machines: If other terminals or card readers look different, don't use them.
  • Keypad check: If the buttons look thicker, misaligned, or out of place, it could be a fake keypad overlay.

Be cautious in high-risk locations.

You should always be alert and careful, especially in high-risk locations. Being attentive can help you avoid becoming a victim of card skimming. Here are a few locations to watch out for, along with additional ways to help prevent becoming a victim of card skimming.

Gas Stations

  • If possible, choose a gas pump close to the store and in direct view of the attendant.
  • Choose to run your debit as credit.
  • If you have to enter your debit card PIN, cover the keypad with your hand.
  • Consider paying inside with the attendant.
  • If available, utilize the tap-to-pay option instead of swiping or inserting your card.

ATMs/ITMs

  • Be wary of standalone ATMs. 
  • Prepare for your transaction before you approach the terminal.
  • Take in your surroundings and leave immediately if you feel unsafe.
  • Position your body in front of and cover the keypad when entering your PIN or the tap option if available.

More ways to protect your money

  • Regularly check your debit and credit card transactions. 
  • Set up to receive eAlerts in your online banking to get alerts when transactions are processed.
  • Enroll in Card Controls so you can toggle off and on your cards, set spending limits, restrict specific merchants, and more.

If you suspect your debit or credit card information has been stolen, contact us immediately at 800-765-0110 (after hours at 800-472-3272). Acting quickly can help protect your money and give you peace of mind.