Thieves are getting crafty.

How many of us pull up or walk up to an ATM, put in our debit cards, and make a withdrawal without a second thought? Or when we're getting gas on the road, we just swipe our card automatically?

You might want to hit pause for a minute next time.

Look For This On The Machine

Card skimming is nothing new. It's a common way for thieves to get your credit card or bank account info when you're least expecting it: at an ATM, gas pump, point of purchase, or anywhere you scan your cards.

Luckily, there are some things you can look for on devices that might tip you off on if there's a skimmer on it.

What's the difference between these two pictures of the same ATM machine?

Northwest Community Credit Union
Northwest Community Credit Union
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The one on the right is bulkier. It's the one that has a skimmer on it. Experts say that oftentimes, a card reader will look bigger if it has a skimmer installed.

Like this ATM:

Northwest Community Credit Union
Northwest Community Credit Union
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Look for a few things when you go to places like an ATM or gas pump:

  • Tape or glue residue somewhere on it
  • Any kind of wire or anything hanging off the device
  • Wiggle the card slot to see if anything slips off

Forbes says that skimming devices can also include a tiny camera installed above the keypad (conveniently where you type in your PIN). Or the PIN pad may itself be the skimming tool:

Northwest Community Credit Union
Northwest Community Credit Union
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The FTC says that for gas pumps, most of them should have a security seal over the panel. If that looks like it's been tampered with, don't use that pump. If the panel has been opened, it will often be stamped with a 'void' label, like this:

FTC
FTC
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The FTC recommends that if you're nervous about card skimmers at the gas pump, pay inside instead.

Experts also say that when you plug in your PIN number on a PIN pad, use your other hand to cover it up. That way, if a camera is situated above the pad, thieves can't see your PIN.

A good idea when you're on road trips this summer and getting gas is to keep an eye on your bank account and credit card balance. Obviously it's a good idea to track your own spending, but if you think your card has been compromised, report it to your card company immediately.

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