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Stay Secure at the ATM: Smart Tips to Protect Your Card and Your Cash

Aug 31, 2026 | Security | 0 comments

Stay safe at the ATM

ATMs are a quick and convenient way to access your money, but they can also be a target for fraud if you’re not careful. The American Bankers Association (ABA) encourages consumers to stay alert and take simple precautions to protect their ATM cards and personal information.

Here’s what you need to know to stay safe.

 

Protect Your Card and PIN

Your ATM card should be treated like cash. Always keep it secure and within your control. The ABA makes the following recommendations:

  • Store your card in a safe place and avoid leaving it out at home or work.
  • Report a lost or stolen card to your bank immediately.
  • Never share your PIN or write it down where others can find it.

It’s also important to remember that banks and law enforcement will never ask for your PIN. If you receive a call requesting that information, it’s a red flag. Hang up and report it.

 

Be Alert at the ATM

Before using any ATM, take a moment to assess your surroundings. If something doesn’t feel right, trust your instincts and find another machine.

The ABA suggests you:

  • Have your card ready before approaching the ATM.
  • Watch for suspicious individuals or activity nearby.
  • Look closely at the machine for signs of tampering, such as loose parts, unusual attachments, or damage that could indicate a skimming device.
  • Cover the keypad when entering your PIN to prevent others from seeing it.

 

Protect Your Information and Cash

Once you complete your transaction, take steps to secure both your money and your personal data:

  • Always take your receipt or transaction record with you.
  • Put your cash away immediately. Don’t count it at the machine.
  • If using a drive-up ATM, keep your doors locked and windows closed

These small habits can help reduce your risk of theft or fraud.

 

Extra Precautions at Night

Using an ATM after dark requires additional awareness. According to the ABA:

  • Choose machines in well-lit, visible locations.
  • Park as close as possible to the ATM.
  • Consider bringing someone with you.
  • Avoid ATMs with poor lighting or obstructed views.

If something about the location seems unsafe, such as broken lights or overgrown landscaping, use a different ATM and notify your bank.

ATM safety comes down to awareness and preparation. By following guidance from the American Bankers Association, you can reduce your risk and feel more confident every time you access your money.

If you’ve lost your First United Bank & Trust card or it has been stolen, call 1-888-692-2654 to report it. During non-business hours, you may also call 1-800-236-2442.

The non-business hours telephone number noted above is typically used only for reporting the card lost or stolen.