6 ATM Safety Tips to Keep in Mind

woman safely using ATM machine

When you use an ATM, it’s important to do it safely. Though it’s rare, ATM crime can happen. To help prevent you from being the victim of any ATM crime, we’ve put together 6 ATM safety tips for you to keep in mind.

1. Protect Your ATM, Debit & Credit Cards

three debit cardsIt’s important to protect your cards just like you would any cash, credit cards, or checks that you have. Avoid leaving it lying around the house or sitting on your desk at work. No one should have access to your card but you. If your card is lost or stolen, immediately notify your bank. Keep in mind that you never want to give any information about your card or PIN over the phone. Also, be sure that you memorize your PIN. You don’t want to write it down on anything in your wallet or on the card. When you arrive at the ATM, you should have your card ready and in your hand. Don’t wait until you get to the ATM to take it out.

2. Observe Your Surroundings Before Using the ATM

When you get to the ATM, be sure to observe your surroundings carefully, especially if you visit at night. If the ATM machine is obstructed from view or is poorly lit, you should visit another ATM. If you see any suspicious persons or circumstances around, wait to use the machine until another time. It’s better to be safe than put you or your money in any kind of danger.

3. Inspect the ATM for Possible Skimming Devices

using ATM with credit cardBefore you insert your card, be sure to visually inspect it for possible skimming devices. Things to look out for include sticky residue or evidence of an adhesive that is used by criminals to affix the device, scratches, damaged or crooked pieces, loose or extra attachments on the card slot, or noticeable resistance when you press the keypad.

4. Don’t Count Your Money at the ATM

Another ATM safety tip to keep in mind is to never count your money at the ATM. Be sure not to visually display any money you get from the machine. You should immediately put it in your purse or wallet and wait to count it at another time.

5. Lock Your Car Doors and Roll Up Windows

man at ATMOne of the most important ATM safety tips to keep in mind is to always lock your car doors. When using a drive-up ATM, make sure all doors are locked and all windows are rolled up with the exception of the driver’s side window. If you walk to the ATM leave your car running or unlocked when you get out to use the ATM.

6. Keep All Your ATM Receipts

It’s important to keep all of your ATM receipts. Taking your receipts with you helps keep your account information confidential. If your receipt is printed, never leave it at the machine. Keeping your ATM receipts also helps protect you against fraud because you can check them against your monthly statements.

About Tennessee State Bank

Tennessee State Bank has been serving our local community for over 45 years. With branches in Sevier County, Knox County, Cocke County, and Jefferson County, we offer convenient banking services in East Tennessee. Whether you’re looking to open a checking account, obtain an auto loan, or apply for a home mortgage, we make the process as simple and straightforward as possible. Tennessee State Bank’s motto is “Banking at its Best!”SM, and we strive to live up to that creed every day. Let us know how we can help you by sending us a message via our Contact Form.

Tennessee State Bank is Member FDIC and an Equal Housing Lender.



“ATM Safety Tips.” American Bankers Association. https://www.aba.com/consumers/pages/cnc_contips_atm.aspx.

“ATM Safety and Security Tips.” Mastercard.