Avoid "Skimming"

At First Tech, we’re constantly working to ensure the security of your accounts. Fact is, we’re always on the lookout for phising and vishing scams, as well as one of the latest frauds to enter our public lexicon in the past few years: skimming.

"Skimming" occurs when fraudsters attach illicit card-reading devices to machines (such as ATMs, retail debit swiping devices, etc.), or use hand-held devices to scan (skim) card information. The fraudsters then use cameras or other invasive tactics to capture PINs. Using the skimmed information and captured PINs, fraudsters produce a duplicate card to make purchases and withdrawals.

Keep a close eye on your credit or debit card at restaurants, bars, retail stores, and gas stations. In these situations, skimming can take place when the card leaves your possession. Hand-held, electronic skimming devices can read cards quickly. If you feel uncomfortable with someone taking your card, even for a minute, follow him or her to the counter or use cash instead.

Avoid Getting Skimmed. Whenever you use a credit, debit or ATM card be sure to follow these simple guidelines to avoid being skimmed:

1. Examine the ATM or checkout device carefully. If you see unrecognizable or suspicious equipment on the machine, don’t use it.
   
2. Be aware of individuals around you (even the cashier). You’re not paranoid if you cover the keypad while you type in your PIN. You’re just being smart.
   
3. Be wary of unusual signs or lighting around an ATM or other card-reading device. These can be indicators that something is wrong or that hidden cameras may be installed.
   
4. Use Online Banking to monitor your accounts for unrecognized activity. If you see anything unusual, report it to us immediately.

Up-to-date information about this and other frauds is always available at the First Tech security page. Be sure to visit it often as we’re always adding important information for your benefit.