ATM Security

We want the ATM to be safe and convenient for you. An ATM can be a simple hassle-free way to get cash, check account balances, transfer funds and make deposits. By reviewing and following a few safety tips, you can protect yourself from harm and from fraud activity.


Make a Plan...

  • Prepare at home.  Prepare your ATM transactions before going to an ATM. For instance filling out your deposit slip to minimize your time at the ATM.

  • Minimize your time at the ATM. Have your card out and ready to use. Do not allow a stranger to assist you in making a transaction, even if you have trouble or your card gets stuck. When your transaction is complete, put your card, money and receipt away and immediately leave the area. Never count your money at the ATM. Wait until you are home or in a secure surrounding to count it.

  • Secure your car. Always keep your engine running, doors locked and windows rolled up except for the driver's side while in line at the ATM. Always leave enough room between vehicles to allow for a quick exit should it become necessary.

Take an inventory of your surroundings... 

  • Be aware of your surroundings. If you notice anything suspicious or any problems arise after you have begun your ATM transaction, cancel the transaction get your card and leave. Never accept assistance from strangers.

  • Be sure the ATM is well lighted.  Especially at night, including the parking area and walkways, the area should be lighted. The lighted area should be bright enough that a camera could get accurate video or pictures if needed. It may be safer to bring someone with you at night when you make transactions. Report any lighting problems to the ATM owner or to First National Bank.

  • Look for fraudulent devices attached to the ATM.  Thieves tamper with ATMs in various ways to steal your personal information and gain access to your accounts. Sometimes they attach a device that blocks the cash, a device that fits over the card slot, or a dual keypad laid over the ATM keypad. If you notice any unusual objects attached the ATM, do not use the machine. If possible contact the police immediately from a secure location (incase the thief if still around) or notify First National Bank immediately. Please see our page Skimming Device Information for additional information and pictures of what to look for.

  • Only enter your PIN once.  If you are prompted to enter your PIN twice or if you notice unusual messages on the screen notify the ATM owner or First National Bank. However if there is a time out during your transaction or if the transaction is cancelled and you enter your PIN a second time, make a note of the date, location and amount. Check your statement to be sure the transaction does not appear twice.
  • Don't forget your card.  Some ATM machines still hold your card until your transaction is complete. Always remember to retrieve our card before leaving. If you do not grab your card in time when it comes out, it may be pulled back in the machine for security. If you use an ATM not owned by First National Bank, the card may be shredded.

  • Watch for Suspicious persons.  If anyone follows you after conducting a PIN debit transaction, proceed immediately to a crowded, well-lit area and call the police.

  • Block the view of others. Use your body and stand between the ATM and anyone waiting to use the terminal. Shield the keypad as necessary when entering your PIN and transaction amounts.

Card Security