Protect Yourself from ATM Skimming!


Automated Teller Machine and Interactive Teller Machine Skimming and Shimming Activities

These sophisticated forms of financial fraud involve the unauthorized capture of card and PIN information, leading to significant financial losses and compromised member security. Skimming devices capture the information in the magnetic strip of a card. In contrast, shimmers are thin pieces of metal inserted into an ATM or a machine at a point of payment to capture information in the microchip. They are small and almost impossible to detect when looking at a machine from the outside. Forty-four incidents have been reported to the NCUA since September 1, 2023, with a spike in reporting in February 2024.

DFDFCU practices proactive prevention measures and wants to foster a culture of security awareness, so we can collectively strengthen our defenses against skimming and shimming attacks and protect the financial well-being of our members.

We also ask our members to take precautions to protect themselves from shimming and skimming attacks.

Best Practices and Mitigation Measures:

  • Look our for tampering! If the card reader seems loose, crooked, or damaged, if the graphics aren’t aligned, or if part of the machine is a different color, don’t insert or swipe your card. Try to wiggle the card reader. If it moves, don't use it.
  • Use "tap-to-pay" or digital wallet options whenever available! For gas pumps, consider paying inside if the pumps have not been upgraded to include tap-to-pay options.
  • Try to use ATM's that are well-lit, busy, and well maintained. Be weary of non-financial institution ATM's in convenience stores, bars, restaurants, etc.
  • Check your account balances and transactions often to report any unfamiliar activity.

Text or Call us at (303) 228-5300 if you ever suspect fraud is taking place on your account.
Please note that Fraud/Dispute forms must be submitted within 60 days of the posted transaction date.

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