Follow these tips to ensure a smooth and safe experience
A very basic requirement while accessing an ATM is to stay alert at all times. Check for any suspicious activity or person in and around the ATM. Make sure you are not being followed and that nobody is spying on you. Check for a CCTV; try to use an ATM that has one – or at least one that has a security guard outside. Count your money inside the ATM or only when you reach a safe place. It is not advisable to handle cash in an open public area.
Your PIN is the most valuable security measure when you access your account through an ATM, so make sure you keep it a secret. Always block the view of the ATM keypad with your hand while entering the PIN. Never disclose your PIN to anyone, unless you trust them explicitly. Remember, banks will never ask for your PIN, so do not be lured by anyone who asks for it. Also, avoid writing it down anywhere; commit it to memory.
Using a secured ATM is essential for your safety. Always use an ATM that is on a busy street or in a secure building. Avoid using an ATM after midnight or one that’s in a deserted place. Even if you are using the ATM at night, ensure it is not in a dark corner. Do not use an ATM if you feel the surroundings are unsafe or notice any suspicious persons lurking around.
You may wish to seek help from strangers if you happen to get stuck while using an ATM. While this may be okay in an emergency, never disclose your PIN or get them to transact on your behalf. Do not count your cash in front of others. Asking for help should be a last resort; ideally try to avoid using that machine and look for another.
Go to your bank for help if you face any issues while using their ATM. In some instances money may get debited from your account, but you may not receive it. Or you might not be able to access your account at all. Or your card may get pulled into the machine. In such situations, dial your banks toll-free assistance number immediately. This toll-free number can be easily found online or on banks official website. They will suggest a way out. Also use this feature if you ever lose your card, or if it gets stolen.
There have been instances where fraudsters have rigged inconspicuous electronic devices called skimmers that can record anything you input. So, inspect the machine carefully especially the keypad and card slot before you enter your PIN. Sometimes these devices may even withhold your cash. In such cases, visit your bank branch or call the toll-free number for assistance. As an added precaution, do not throw away ATM receipts carelessly, as the information in them could be used against you.
| Memorize | Memorize your PIN. Do not write it down anywhere, and certainly never on the card itself. |
| Do Not Share | Do not share your PIN or card with anyone including Bank employees, not even your friends or family. Change your PIN regularly. |
| Shield | Stand close to the ATM machine and use your body and hand to shield the keypad as you enter the PIN. Beware of strangers around the ATM who try to engage you in any conversation. |
| Beware | Do not take help from strangers for using the ATM card or handling your cash |
| Be Attentive | Do not conduct any transaction if you find any unusual device connected to your ATM machine. |
| Don't Forget | Press the 'Cancel' key and wait for the welcome screen before moving away from the ATM. Remember to take your card and transaction slip with you. |
| Destroy | If you get a transaction slip, shred it immediately after use if not needed. |
| Report | If your ATM card is lost or stolen, report it to your bank immediately |
| Verify | When you deposit a cheque or card into your ATM, check the credit entry in your account after a couple of days. If there is any discrepancy, report it to your bank. |
| Get Alerts | Register your mobile number with the Bank to get alerts for your transactions |
| Call Bank | If your card gets stuck in the ATM, or if cash is not dispensed after you keying in a transaction, call your bank immediately |
| Complaints | If you have any complaint about your ATM/Debit/Credit card transaction at an ATM, you must take it up with the bank |
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