Debit Card Safety
Electronic banking at ATMs is a fast, convenient way to withdraw cash, make deposits; check account balances, transfer funds and more. If you use ATMs to conduct financial transactions, you must make security a priority. Here are some important steps you can take to make ATM security your business. If you have questions about ATM security, please give us a call at 210.442.0100. If you need to report a lost or stolen Debit card after the credit union has closed please call the ATM Hotline 210.442.0100 or 866.820.0995. Please also notify the credit union on the next business day when reporting a lost or stolen Debit card.
Using your Debit card is a simple, hassle-free way to get cash, make deposits, check account balances, transfer funds, make purchases and more. To enjoy the many conveniences electronic banking offers, you should make Debit card safety a priority. Here are some important safety tips.
Treat your ATM/Debit card like cash
- Always keep your card in a safe place.
Keep your PIN a secret
- ATM transactions and PIN debit purchases require the use of a secret code known as a personal identification number or PIN. Memorize your PIN, and never write it on your card or store it with your card. Never let someone else enter your PIN for you.
- Do not disclose information about your card over the telephone. No company or individual needs to know your PIN... not even your financial institution. If you perform transactions over the telephone using your Debit card, never disclose your PIN.
- Never disclose information about your card in response to an unsolicited e-mail or request. E-mail is a common channel for fraud perpetration. Never provide your debit or credit card number, PIN or any other non-public personal information to any entity in response to an unsolicited e-mail or request. Your financial institution will never ask you for your PIN.
- Make certain your Internet shopping sites are secure. Look for secure transaction symbols when shopping online to ensure your account information is protected. Always log off from any site after you make a purchase. If you can't log off, shut down your browser to prevent unauthorized access to your account information.
- Protect your card's magnetic stripe. Do not expose your card's magnetic stripe to magnetic objects. Magnetic objects can damage your card.
- Report a lost or stolen card at once. Immediately call your financial institution if your card is lost or stolen to reduce the chance that it will be used improperly. Immediate notice of lost or stolen cards will also limit your potential liability for unauthorized transactions.
- Review you account statements for unauthorized transactions. Review all account statements from your financial institution promptly, and report any errors (including transactions you believe may be unauthorized) as soon as possible. Prompt notification will limit your potential liability for unauthorized transactions.
ATM Safety
- Observe the ATM surroundings before approaching a walk-up ATM. If anyone or anything appears to be suspicious, cancel your transaction and leave the area at once.
- If an ATM is obstructed from view or poorly lit, go to another ATM. It is a good idea to take along a companion when using an ATM, especially at night.
- Minimize time spent at the ATM by having your card out and ready to use. Do not let anyone see how much money you withdrew, and never count your money at the ATM.
- Never allow a stranger to assist you in conducting an ATM transaction, even if you have trouble or if your card is stuck.
- Stand between the ATM and anyone waiting to use the terminal so that others cannot see your PIN or transaction amount.
- Look for possible fraudulent devices attached to the ATM. If the ATM looks different or appears to have any alterations or attachments to the card slot or PIN pad, do not use it.
Drive-Up ATM Safety
- Keep the doors locked, windows up and engine running at all times when waiting in line.
- Leave enough room between cars to allow for a quick exit should it become necessary.
- Before lowering the window to use a drive-up ATM, observe the entire surrounding area. If anyone or anything appears to be suspicious, cancel your transaction and drive away at once.
- Minimize time spent at the ATM by having your card out and ready to use. Once your transaction is complete, take your money, card and receipt and immediately drive away from the terminal.
- If anyone follows you after you have completed your ATM transaction, go immediately to a crowded, well-lit area and call the police.
PIN Debit Safety
- Never allow the cashier or anyone else to enter your PIN for you, even if they are assisting you with the transaction.
- Block the view of others when using a Point of Sale terminal.
- Be sure the transaction is complete and you have received a receipt before leaving.
- If you received cash back, put it away before leaving the terminal.
- When using an outdoor Point of Sale terminal such as at a gas station, observe your surroundings before making a transaction. If anything looks suspicious, leave the area at once.
- It is a good idea to take someone with you when using an outdoor Point of Sale terminal at night.
- If anyone follows you after you have completed your Point of Sale transaction, go immediately to a crowded, well-lit area and call the police.
Following these guidelines can improve your security whenever you use an ATM. If you have questions about ATM security, please give us a call at 210.442.0100.
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To make this process as quick as possible, please have the following ready for yourself and any joint account holders on the account, including beneficiary’s:
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- Requested Loan Amount
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To make this process as quick as possible, please have the following ready for yourself and any joint account holders on the account, including beneficiary’s:
- Social Security Number
- Date of Birth
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- Phone Number
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- Valid ID
- Requested Loan Amount
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To make this process as quick as possible, please have the following ready for yourself and any joint account holders on the account, including beneficiary’s:
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- Credit Limit
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To make this process as quick as possible, please have the following ready for yourself and any joint account holders on the account, including beneficiary’s:
- Social Security Number
- Date of Birth
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- Valid ID
- Requested Loan Amount
- Estimated Property Value
- Estimated Property Tax and Insurance Amount
- Existing Mortgage Information
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To make this process as quick as possible, please have the following ready for yourself and any joint account holders on the account, including beneficiary’s:
- Social Security Number
- Date of Birth
- Current Address
- Phone Number
- Email Address
- Valid ID
- Requested Loan Amount
- Estimated Property Value
- Estimated Property Tax and Insurance Amount
- Existing Mortgage Information
Choose one of the following: