September 22, 2015

Most recently, small devices or "skimmers" are being installed by thieves in the credit/debit card slot or inside the actual machine at gas pumps, on ATMs, vending machines, or other self-serve services. These devices are rigged to capture your card information, or even the card itself, and use the card's information for fraudulent transactions. Other times, workers in retail establishments may utilize a handheld skimmer, or simply take a picture with their cell phone when away from your presence. Today, devices can steal data just by being close to the card.

The thieves use the stolen card information to make fraudulent charges to your account by:

  • Making a counterfeit card and using it at a retailer for purchases (usually gift cards).
  • Putting charges on the card via on-line merchants or through 'card-not-present' merchant purchases.
  • Selling the counterfeit cards
How to Avoid Becoming a Victim of Skimming
  • Avoid using older model gas pumps, ATMs, or merchant machines that are not as secure.
  • Inspect the ATM, gas pump, or card reader for skimmers before using it.
  • If anything looks suspicious, such as a change in the appearance of the PIN pad or something inserted in the reader, don't use it and advise the business right away.
  • Jiggle the card reader to make sure it isn't loose or tampered with.
  • Avoid using gas pumps located out of sight of the station attendant or surveillance cameras.
  • Pay inside instead of at the pump.
  • Cover the number pad or screen when keying in your PIN.
  • Notify your financial institution of any ATM that is not working correctly.
  • Make sure your card stays in sight, when possible, while using your card at a merchant.
  • Be cautious of unknown individuals standing too close to your purse and/or wallet.
  • Keep your card in an RFID blocking card sleeve or wallet.
Steps to Take if You Become a Victim
  • If you have fraudulent charges, or believe your card data has been stolen, contact your bank or credit card issuer immediately.
  • For Independent Bank debit cards call: 888-300-3193. If you don't make a report quickly, you may be liable for some, or all of the unauthorized charges.
  • If you know where the data was stolen (gas pump, ATM, restaurant), file a report with law enforcement in that jurisdiction.
Other Tips to Keep Your Information Secure
  • Review statements/online banking for fraudulent transactions.
  • Sign up for debit card alerts to notify you of charges.
  • Review your receipts and check them carefully against your statements.
  • Sign up for MasterCard ID Theft Alerts that include credit/debit monitoring. To sign up, go to IndependentBank.com.

If you have any questions or concerns regarding card skimming, or the safety of your Independent Bank accounts, please contact Customer Service at: 800.355.0641.

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