ATM fraud is on the rise. Here are 12 ways to protect yourself and your account from theft!

• Look for recent device modifications. Bulky keypads, electrical tape, fresh glue, unworn plastic, etc. These usually mean the device has been tampered with.
• Check for cameras. Even tiny pinholes can provide clear views of the keypad and be used to record PINs. Security cameras designed for safety are obvious and usually mounted further away.
• Cover the PIN pad with your other hand to keep your transaction safe from prying eyes.
• Look for people sitting nearby who are using laptops, tablets, or cellphones. If they’re loitering for more than a few minutes, they may be eavesdropping using the device.
• Do not share your PIN with anyone you don’t want using your card (and that should be a very small circle). If you write down your PIN, keep it in a secure location away from the card – don’t carry it in your wallet or record it in your phone!
• Only use ATMs in well-lit, public spaces. Drive-up ATMs that don’t have buildings or heavy foot traffic nearby are the most secure. 
• If you have trouble with an ATM, go to the nearest bank branch or use another ATM. Do not let strangers “help” you with the transaction.
• Avoid ATMs in tourist hotspots like shopping malls – these high traffic areas make it easier for thieves to work.
• Monitor your checking account statement regularly for suspicious or unknown charges.
• Report any unusual account activity to your credit union right away.
• Remember that POS (Point of Sale) terminals, gas station consoles, and other payment locations are just as vulnerable as standalone ATMs.