Protecting Against Card Skimming
What is Card Skimming?
Card skimming is a form of fraud where criminals use devices to steal card information from unsuspecting cardholders. These devices, known as skimmers, are often installed on ATMs, gas pumps, and point-of-sale (POS) terminals. When you swipe or insert your card, the skimmer captures your card's data, including the card number, expiration date, and sometimes even your PIN.
How Thieves Perform Card Skimming
Thieves install skimming devices in various ways. Here are some common methods:
- Physical Skimmers: These devices are placed over the card reader slot and can be difficult to detect. They capture data from the magnetic stripe of your card.
- Shimmers: These are thinner devices inserted into the card reader slot to capture data from chip-enabled cards.
- Hidden Cameras: Some skimmers come with tiny cameras to record your PIN as you enter it.
- Wireless Skimmers: These devices transmit stolen data wirelessly to a nearby device, making it easier for thieves to collect the information.
How Orrstown Bank Clients Can Protect Themselves
Here are some tips to help Orrstown Bank clients stay safe from card skimming:
- Inspect the Card Reader: Before using an ATM or POS terminal, check for any signs of tampering, such as loose parts, different colors, or graphics that look misaligned.
- Use Contactless Payment: Whenever possible, use contactless payment methods like Apple Pay or Google Pay. These methods are more secure and less likely to be compromised.
- Cover Your PIN: Always shield your PIN entry with your hand or body to prevent cameras from capturing it.
- Use Bank ATMs: Stick to using ATMs located inside Orrstown Bank branches or well-lit, high-traffic areas.
- Monitor Your Accounts: Regularly check your bank statements for any unauthorized transactions and report them immediately.
- Use Chip Cards: Opt for chip-enabled cards over magnetic stripe cards, as they are harder to skim.
By staying vigilant and following these tips, Orrstown Bank clients can significantly reduce their risk of falling victim to card skimming. Stay safe and protect your financial information!
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