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ATM protect yourself

January 23, 2019 – Here are some ATM safety tips:

  1. Observe your surroundings before using an ATM.
  2. Memorize your debit card PIN. Do not approach an ATM with account information written down.
  3. Onsite Bank ATMs are recommended over convenience store ATMs and gas terminals. These ATMs are checked frequently and have cameras.
  4. Before using an ATM, you can check the ATM for a loose card reader or keypad overlays for a skimming device, but know these can be difficult to detect.
  5. Shield the screen with your body as much as you are able.
  6. While entering your PIN, shield the keypad – even if no one is around you as there might be criminally hidden cameras
  7. Put your cash, card, and receipt away immediately.
  8. If you see anyone or anything suspicious, cancel your transaction and leave immediately.
  9. If anyone follows you after making a transaction, go to a safe area before calling local law enforcement.

Banks have debit card protections in place should a debit card become flagged as having suspicious activity. Decorah Bank has multi-layered security and alert notification systems in place at many levels for consumer protection, alerts, and recovery should a card be compromised.

If suspicious activity is detected on your Bank debit card, the Banks card processing partner immediately alerts the bank. The card is often blocked from further activity until a representative contacts the customer to confirm transaction behaviors as legitimate. If the card activity is deemed compromised, Customer Support will close the debit card, reissue a new card with new PIN at the Bank, and guide the customer through any remaining resolution needed. This is a good time to remind you that the bank will never contact you asking for private information like your card number, PIN, or online user name or passwords. This is also a good time to encourage you to set up your automatically paid subscriptions with CardSwap. This can help avoid the hassle of going to each separate shopping or entertainment website to update your card.

As a part of another layer of debit card protection, customers will automatically receive text alerts or a phone call if suspicious activity is detected.

We will never request private account information via text, phone, or email that we initiate. If you have a new phone number, a question, or ever suspect a suspicious activity, contact us.

Together we can fight crime.

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