Sometimes, getting scammed might include getting skimmed. That’s when your credit or debit card information gets stolen by an illegal card reader called a skimmer. According to the FBI, skimming costs financial institutions and consumers more than $1 billion each year.*

What is a card skimmer?

A skimmer is a device illegally attached to an ATM or point-of-sale system (the machine that reads your card at checkout) that’s designed to gather customer card information and PINs. Scammers can install skimming devices and cameras on ATMs to steal customer information and then use that information to withdraw cash and make purchases. Criminals may also use the stolen card information to create replica cards or sell the information to other criminals.

How to stay safe from card skimmers

Card skimmers aren’t always easy to spot. You can reduce your risk of getting skimmed with a few tips from the FBI:

• Before using an ATM or paying at the gas pump, observe the keypad and card slot. If anything looks strange, tampered with or out of place, avoid using that machine. For example, if the keypad looks brand new but the rest of the machine looks old, or the credit card slot is a completely different color than the rest of the machine, those are potential indications of a problem.
• Gas stations are frequent targets for skimmers. Choose a gas pump that is in a well-lit area and easily visible to the employees. These are less likely to be targets for skimming devices. Consider paying inside rather than at the pump if you’d like an added layer of safety.
• Choose to run your debit card as credit whenever possible. This prevents a skimming device hidden on the machine from capturing your PIN if you enter it.
• Regularly monitor account activity and review your monthly statements. That way, if a skimmer ever captures your card information, you can identify the fraud quickly, report it and get a new card number.
• Use tap to pay when it’s available, rather than swiping or inserting your card. Tap-to-pay transactions offer enhanced security and are less prone to compromise. Learn more about contactless payments.

Remember, you’re never liable for unauthorized purchases that are properly reported on your Grow Visa^® credit or debit cards. If you notice fraudulent activity on your account, report it immediately by calling us at 800.839.6328. Learn more about skimming.

More ATM scams

Pinhole cameras: In addition to using card skimming devices, criminals may attempt to steal card information via carefully placed cameras that record card numbers and PINs. Cover the keypad when entering your PIN to obscure the view. This also prevents “shoulder surfing,” where someone standing nearby attempts to watch you enter your PIN.

Fake assistance: This scammer targets the elderly, offering assistance with using the ATM while memorizing the card number and PIN. If you need assistance using an ATM, choose a machine at your local credit union or bank branch and ask a team member for help.

For more information about common scams and how to avoid them, visit our Education page and sort by security education.

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