As the ATMs are improving every day in terms of transaction safety and security. Obviously, it’s the customer’s duty to make safe transactions. These are transactions that customers do directly from the ATM while ignoring the transaction security guidelines. Although, the banks, FIs, and ATM operators have been busy all through the year installing new machines that are contact-less since the pandemic started. However, the risk of fraud still exists in this world of ATMs. Obviously, this has been achieved via the use of card skimmers and spy cams. Therefore, it’s in your best interest as a customer to take preventive and precautionary measures. Particularly, to safeguard yourself while making use of an ATM.
Just like the threat level switched to a different level globally after the attacks of 9/11. Similarly, the threat level while using an ATM is different depending on the fraudulent activities that have taken place to make it a consumer preference & high-level priority.
The following are some of the Tips for frequent ATM users. Especially, to enjoy a smooth and safe experience.
1. STAYING ALERT:
One of the basic and primary requirements while accessing an ATM is to stay alert at most times. As a customer, you must keep a check for any suspicious activity. Alternatively, a person in and around the ATM. Before you use an ATM check for an ATM around you. Prefer to count your money inside the safe point, i.e. inside the ATM. Alternatively, when you reach a safe place. It’s highly not advisable to handle cash in an open and public area.
2. MAKE SURE YOU KEEP YOUR PIN A SECRET:
As soon as the pin is provided to you by your bank, you must change that pin to another unique one and memorize it hard. Don’t keep your pin a simple one, i.e. your birth date or some other obvious date that can bring you a sudden loss. Make sure while you are using the ATM, you block the letters or numbers of your pin, even from CCTV footage. Your pin shouldn’t be disclosed to anyone unless the person is very close to you and you know that person and trust him explicitly.
Please also make sure that the bank will never ask for your pin, so if some bankers ask you, you just avoid revealing and beware. Also, writing your pin down is not an activity that is encouraging, it’s better to memorize.
3. ASK YOUR BANK FOR ASSISTANCE, IF NEEDED:
It’s preferable to go to the bank for help if you are facing any issues while using your card on ATM. Dial your bank’s toll-free number if in case you are having card issues. Alternatively, the card gets blocked or stuck in the machine or situations in which you are not receiving money. There is always a way out once you contact your bank on the toll-free number. A number which is found on the bank’s website.
4. AVOID STRANGERS FOR HELP:
From the consumer’s point of view asking strangers for help might be a convenient thing that one can think in times when needed. However, from the security and safety point of view, it is something that one needs to avoid. As a precaution even if you seek the help of strangers then you never disclose your PIN number or get them to transact on your behalf. It is also the best thing to avoid cash counting in front of strangers as a high-level priority. To seek assistance from strangers should be the last resort as a consumer you might seek. The best thing in those circumstances is to try to avoid using that machine and look for another one.
5. CHOOSING THE RIGHT LOCATION IN TERMS OF ATM PLACEMENT:
The selection of the right location in terms of the ATM Placement is something that defines your security preferences. It truly demonstrates your frame of mind for better handling of your transaction. Hence, also known as transaction safety. Always use an ATM that is on a busy street or placed in a secure building. Also, try and select the best usage of hours for the usage, i.e. avoid using ATM at midnight in a deserted place. While, if it’s a high-level necessity to use the ATM at night. As a precaution make sure it’s not a dark corner or an unsafe location. Thus, location preferences are always the best way to make your transactions secure.
There are many other security tips that are worthwhile before using an ATM for a cash withdrawal. The best thing is also to beware of what can happen. Importantly, your past experiences and finally who can give you the best advice. Machine-Human interactions can involve errors or mistakes that can range from small to large. However, there is always a solution to the problem. Hence, once you know the right diagnosis and future remedies. In most circumstances, a bank is the best guide.