SKIMMING

Skimming is a method by which thieves capture the data in the magnetic strip from your card and use it to create a new, counterfeit card.  The counterfeit cards are then used to process unauthorized transactions against your account.  There are two main methods of skimming card information:

• A small device that appears to be a part of the machine is placed over the card insertion slot of an ATM, gas pump, or other self-service kiosk.  As you slide your card into the ATM, this device “reads” the data on the stripe and either stores it or transmits it to a nearby location.  Often times, there is also a small, hidden camera that captures your keystrokes as you input your PIN into the machine. 
• The device is carried by an employee in a merchant’s store location.  When the employee walks away with your card to complete your transaction, they swipe the card through the skimming device and capture the magnetic stripe data.

Learn how to protect yourself

Don't write your PIN number on your card.  Memorize it.   Don't use information that may be easily obtained by identity thieves as your PIN, such as last four digits of your Social Security Number, birth date, or address.   Only carry ATM, debit or credit cards that are necessary.   Make a list of ATM, debit, credit cards and bank account numbers, as well as customer service numbers for each. Keep this list in a safe and secure place so you can easily notify necessary companies if your cards are lost or stolen.   Companies like MasterCardŽ or VISAŽ will never contact you directly to verify personal or card information, your PIN or request that you process transactions to protect your account.   Never give your debit or credit card numbers over the phone or Internet unless you have a trusted relationship with the person or company.   Keep your receipts for card purchases and withdrawals.  Don't throw them in a public trash container.   Thoroughly review credit card or bank statements upon receipt. Notify the Credit Card company or bank immediately if there is suspicious activity.   When vacationing, notify the bank regarding your plans. Most banks monitor suspicious activity, including geographic shifts in cardholder use. Informing the bank can prevent unnecessary inconvenience while traveling.   Be aware if merchants take your card out of site for an extended period of time. Most merchants process transactions within your view. If you become suspicious, contact your financial institution to warn of possible fraud on your card/account.   Look at ATM, gas pump, or self-service kiosks.  If you see an attached device that looks suspicious, don't use it. Notify the institution that owns the machine as soon as possible. If it's a First Bank ATM, contact us at 800-760-2265.