Question 1

Things you should do:

Accepted Answer

Follow the instructions on the ATM screen carefully. Be alert to your surroundings. Do not use the ATM if there are loiterers or suspicious people in the vicinity. Be aware that fraudsters are often well dressed, well-spoken and respectable looking individuals. If you are disturbed while transacting at the ATM, your card may possibly be skimmed by being removed and placed back into the ATM without your knowledge. Cancel the transaction immediately and report the incident using your Bank's Stop Card Toll free number which is displayed on all ATMs, as well as on the back of your bank card. After successfully transacting at the ATM, leave immediately. Be cautious of strangers requesting you to return to the ATM to finalise any transaction as skimming may occur during this request

Question 2

Things you should NOT do:

Accepted Answer

Never force your card into the slot if you experience initial difficulty, as it might have been tampered with. If your card is swallowed by the ATM, do not leave the ATM before you have cancelled your card

Question 3

Protect your Pin

Accepted Answer

Your PIN is your personal key to secure banking and it is crucial to keep it confidential. Memorise your PIN, never write it down or share it with anyone, not even with a family member or a bank official. Choose a PIN that will not be easily guessed, and never use your date of birth as a PIN. Key in your PIN yourself in such a way that no one else can see it, for example, cover your hand that is punching the numbers even when alone at the ATM, as some criminals may place secret cameras to observe your PIN. To keep both your card and PIN safe, don't let anyone stand too close to you

Question 4

Protect your cash

Accepted Answer

Some fraudsters wait until you’ve drawn your cash to take advantage. Be wary of people loitering around the ATM and ensure that you are not followed. Set a daily withdrawal limit that suits your needs to protect yourself in an event that your card and PIN are compromised. Be cautious of strangers requesting that you return to the ATM to finalise/close the transaction because they are unable to transact. Skimming may occur during this request. If you think the ATM is faulty cancel the transaction IMMEDIATELY, report the fault to your Bank and transact at another ATM. Never allow your children to draw money using your card, since they're the most vulnerable to perpetrators. Have your card ready in your hand before you approach the ATM to avoid opening your purse, bag or wallet while in the queue. Be cautious of strangers offering to help as they could be trying to distract you to get your card or PIN. Choose familiar and well-lit ATMs where you are visible and safe. Report any concerns regarding the ATM to the Bank. Toll free numbers are displayed on all ATMs. If you are disturbed or interfered with while transacting at the ATM, your card may be skimmed by being removed and replaced back into the ATM without your knowledge. Cancel the transaction immediately and report the incident using your Bank's Stop Card Toll free number which is displayed on all ATMs, as well as on the back of your Bank card. Know what your ATM looks like so that you can identify any foreign objects attached to it. Do not ask anyone to assist you at the ATM, not even the security guarding the ATM or a Bank official. Rather go into the Bank for assistance. Do not insert your card if the screen layout is not familiar to you. Don’t use ATMs where the card slot, keypad or screen has been tampered with. It could be an attempt to get hold of your card. Some fraudsters wait until you’ve drawn your cash to take advantage. Be wary of people loitering around the ATM and ensure that you are not followed. Take your time to complete your transaction and secure your card and your cash in your wallet, handbag or pocket before leaving the ATM. Check your balance regularly and report discrepancies immediately Avoid withdrawing cash to pay for goods/services as your debit card can be used for these transactions. You can use your debit card wherever the Maestro/Visa Electron logo is displayed.