In Geneseo, authorities are urging vigilance after a recent arrest linked to ATM skimming, a tactic where criminals steal bank card information using concealed devices. This method involves a skimmer installed over the card slot, capturing card data during transactions. ‘Shimming’ affects chip cards, with a thin device inside the reader intercepting data from the chip. ATM skimmers, often undetectable, copy data from bank cards as users unwittingly pass them through the compromised machine. The consequences for victims can be severe, ranging from financial loss to long-term identity theft issues. Authorities advise the public to inspect ATMs for any unusual attachments or modifications and to shield the keypad when entering PINs as a way to guard against these stealthy and damaging devices. This incident serves as a critical reminder of the ongoing risks posed by electronic financial crimes.
Residents are advised to inspect ATMs for any abnormalities and shield their PIN entries. Using chip-enabled and contactless payment options can also enhance safety. Regular monitoring of bank statements and reporting suspicious activities to both financial institutions and local law enforcement is essential for protection against these fraud techniques.
ATM skimming involves placing a discreet device, a skimmer, over the ATM’s card slot. This device captures data from the magnetic stripe of your card when you make a transaction. Criminals may also install a pinhole camera or overlay a fake keypad to record your PIN. Armed with both pieces of information, fraudsters can clone your card or conduct unauthorized transactions, causing financial loss and identity theft.
ATM shimming, similar to skimming, targets chip cards. A shimmer, a slim device inserted into the card reader slot, collects data from the chip, enabling criminals to clone cards and perform unauthorized transactions. Detecting shimmers can be challenging, but difficulty inserting your card into the ATM slot may indicate its use.
- Inspect the ATM: Before use, check for loose parts or unusual attachments. If something seems amiss, avoid the ATM and report it.
- Cover your PIN: Shield the keypad when entering your PIN to prevent hidden cameras from recording it.
- Use chip-enabled cards: These are more secure than traditional swipe cards.
- Opt for contactless payments: Use mobile wallets or contactless cards to minimize card exposure.
- Choose ATMs wisely: Prefer ATMs in well-lit, high-traffic areas or inside banks where it’s harder to tamper unnoticed.
- Monitor your accounts: Regularly review bank statements and set up alerts for unauthorized transactions.
- Report suspicious activity: If you suspect skimming or shimming, report it immediately to authorities.