Recently there's been an increase in reported incidents of skimming devices in Roseville.
Skimming occurs when devices illegally installed on ATMs, POS terminals, or fuel pumps capture data or record cardholders’ PINs. Criminals use the data to create fake debit or credit cards and then steal from victims’ accounts. It's estimated that skimming costs financial institutions and consumers more than $1 billion each year.
Fuel Pump Skimming Devices
- They're usually attached in the internal wiring of the machine and aren’t visible to the customer.
- They store data to be downloaded or wirelessly transferred later
Tips When Using a Fuel Pump
- Choose a fuel pump that is closer to the store and in view of the attendant.
- Run your debit card as a credit card.
- Consider paying inside with the attendant
ATM and POS Terminal Skimming Devices
- ATM skimmer devices usually fit over the original card reader.
- Some are inserted in the card reader, placed in the terminal, or along exposed cables.
- Pinhole cameras installed on ATMs record a customer entering their PIN. In some cases, keypad overlays are used instead. Keypad overlays record a customer’s keystrokes.
Tips When Using an ATM or POS Terminal
- Inspect ATMs, POS terminals, and other card readers before using. Look for anything loose, crooked, damaged, or scratched. Don't use the card reader if you notice anything unusual.
- Pull at the edges of the keypad before entering your PIN. Then, cover the keypad when you enter your PIN.
- Use ATMs in a well-lit, indoor location.
- Be alert for skimming devices in tourist areas, which are popular targets.
- Use debit and credit cards with chip technology. In the U.S., there are fewer devices that steal chip data versus magnetic strip data.
- Avoid using your debit card when you have linked accounts. Use a credit card instead.
- Contact your financial institution if the ATM doesn't return your card after you end or cancel a transaction.
