Friday, June 10, 2011

Debit Card Fraud


Raise your awareness in your community, keep a watchful eye to prevent debit card skimming fraud.

Here are some helpful tips on how to protect your personal accounts:

1. Cover your PIN. Your bankcard won't work without the PIN. Thieves usually obtain the PIN with a small camera stationed near the card processor, so keep an eye out for anything that seems out of place. It might be a camera, or it may just be an unusual looking item placed conspicuously close by. In any event, shield the keypad with your body or free hand when entering your PIN.
2. Be selective with your ATM. Again, look for anything out of place. Any wires exposed? Tape evident? Hardware loose? If so, find another ATM. Use an ATM inside a bank whenever possible. Stay away from ATMs in remote locations that appear seldom used. These are easy to tamper with and might even be dummy cash machines…
3. Leave some wiggle room. When you insert your card, wiggle it while it's in the slot. If something seems loose, there might be theft device attached to the swipe hardware. Wiggling the card might jar the theft device from its hiding place.
4. Monitor your accounts. One of the best protections against continued use of your stolen information is to check bank statements regularly! With a debit card, you may be responsible for the first $50 (and you must report theft within two business days of discovery and no later than 60 days after the theft for protection). Credit cards generally have better protections plans and might be a better choice if you have any reservations about an ATM or processing machine.
5. Look for security cameras. ATMs and gas pumps that are under video surveillance and have cameras aimed directly at the card readers are less likely to be fitted with card-skimming equipment. Makes sense right?
6. Keep an eye on your card. When you give your card to a waiter or clerk, be skeptical of any request to swipe it through multiple devices or if they must leave your sight. Again – common sense, but it’s surprising how many people allow other people free access to their cards.
7. Be careful at the gas station. Gas stations are among the most prone to skimming… Use a credit card whenever possible or even choose the credit option on your bankcard.
Remember – raise your awareness and use common sense and you should be able to protect yourself from card skimming fraud.

- Genesis Security Group

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