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Tips for ATM use |
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Tip
1: Where possible, use ATMs with which you are most familiar.
Alternatively, choose well-lit, well-placed ATMs where you feel
comfortable. |
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Tip
2: Scan the whole ATM area before you approach it. Avoid
using the ATM altogether if there are any suspicious-looking individuals
around or if it looks too isolated or unsafe |
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Tip 3: Avoid
opening your purse, bag or wallet while in line for the ATM. Have
your card ready in your hand before you approach the ATM. |
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Tip 4: Notice
if anything looks unusual or suspicious about the ATM indicating
it might have been altered. If the ATM appears to have any attachments
to the card slot or key pad, do not use it. Check for unusual
instructions on the display screen and for suspicious blank screens.
If you suspect that the ATM has been interfered with, proceed
to another ATM and inform the credit union. |
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Tip 5: Avoid
ATMs which have messages or signs fixed to them indicating that
the screen directions have been changed, especially if the message
is posted over the card reader. Credit unions and other ATM owners
will not put up messages directing you to specific ATMs, nor would
they direct you to use an ATM which has been altered. |
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Tip 6: Be especially
cautious when strangers offer to help you at an ATM, even if your
card is stuck or you are experiencing difficulty with the transaction.
You should not allow anyone to distract you while you are at the
ATM. |
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Tip 7: Check
that other individuals in the line keep an acceptable distance
from you. Be on the look-out for individuals who might be watching
you enter your PIN. |
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Tip 8: Stand
close to the ATM and shield the keypad with your hand when keying
in your PIN (you may wish to use the knuckle of your middle finger
to key in the PIN). |
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Tip 9: Follow
the instructions on the display screen, e.g. do not key in your
PIN until the ATM requests you to do so. |
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Tip 10: If
you feel the ATM is not working normally, press the Cancel key
and withdraw your card and then proceed to another ATM, reporting
the matter to your financial institution. |
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Tip 11: Never
force your card into the card slot. |
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Tip 12: Keep
your printed transaction record so that you can compare your ATM
receipts to your monthly statement. |
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Tip 13: If your
card gets jammed, retained or lost, or if you are interfered with
at an ATM, report this immediately to the credit union and/or
police using the help line provided or nearest phone. |
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Tip 14: Do not
be in a hurry during the transaction, and carefully secure your
card & cash in your wallet, handbag or pocket before leaving
the ATM. |
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Tip 15: Memorize
your PIN (if you must write it down, do so in a disguised manner
and never carry it with your card). |
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Tip 16: NEVER
disclose your PIN to anyone, whether to family member, credit
union staff or police. |
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Tip 17: Do not
use obvious and guessable numbers for your PIN like your date
of birth. |
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Tip 18: Change
your PIN periodically, and, if you think it may have been compromised,
change it immediately. |
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Tip 19: Set your
daily ATM withdrawal limit at your branch at levels you consider
reasonable. |
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Tip 20: Regularly
check your account balance and financial statements and report
any discrepancies to Cornerstone immediately. |
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