ATM/DEBIT Card Fraud


  • Keep your card in a secure place.  If you do not need it, leave it at home.
  • Keep your card in sight at restaurants and stores.
  • Do not respond to emails asking you to "verify your identity." Card issuers and financial institutions will never ask you to do this.
  • If someone calls claiming to sell a product or collecting money for a charity, ask the caller to mail you information. Legitimate companies can do this; fraudsters will get angry, try to pressure you, or just hang up.
  • Always sign a new credit card the moment you receive it. Some people believe writing "See ID" protects them. Consider this, if a fraudster steals your card, they can sign it in their own handwriting. The card will always match the sales receipts. Merchants are not required to, and rarely do, check ID. Sign your card to make it more difficult for fraudsters to forge.
  • Don't make your PIN your date of birth or a series of numbers like 1234 - these numbers are easy to guess.
  • Never write your PIN on the card or on a piece of paper you carry in the same place as your card.
  • Cover the keypad when entering your PIN to ensure no one is able to shoulder surf.
  • Check your statements as soon as they arrive to catch and report unauthorized transactions timely.
  • Shred unwanted pre-approved offers, expired cards, and any correspondence with a card number or details.

Please click HERE to learn more about Fraud Watch, our debit card fraud prevention program.



Citizens Security Bank takes the responsibility of informing our customers of fraud very seriously. Criminals are becoming increasingly savvy at stealing unsuspecting customer's information. One way criminals are obtaining personal data is through a method called ATM skimming. To prevent yourself from becoming a victim of fraud in this manner, be aware of who is around you and of any suspicious looking devices that may not belong on the machine. ATM skimming can occur in a variety of ways.

Key Logging- A device or fake keypad is placed over the original keypad of the ATM.

Shoulder Surfing - Occurs when a thief is close enough to the customer to see and retrieve the information from the customer's card, as well as see the PIN entered.

Card Reader- A small electronic device on top of the existing ATM machine. The card reader will look almost identical to the existing card slot. Look to see if the card slot appears loose.

Summary of Recommended Actions

Protect your information-Be aware of who is around you when accessing an ATM. Be aware of anyone shoulder surfing.

If the ATM is suspicious looking DON'T USE IT-If an ATM slot has a suspicious look or is loose, do not use the ATM and alert the proper authorities.

Know which ATM's to use- Use a bank or well known ATM. Free standing ATM's can be individually owned and possibly phony.

Watch your account-Review your account frequently to ensure the charges on your account are legitimate.