Card Skimming

Card skimming involves the unauthorized copying of electronic data from your debit or other cards. Hidden equipment typically obtains your PIN (i.e. cameras or false PIN pads). The stolen data is then encoded onto a counterfeit card, which is used to withdraw funds without your knowledge.

How it happens

• At ABM machines, a card reader is placed on either the ABM itself or the entrance door to the ABM if there is a card reader device on the door for access. Hidden cameras are strategically placed to capture you entering your PIN.
• At debit card (point-of-sale) terminals, the merchant swipes your card in the legitimate POS terminal and then swipes your card a second time in a card reader device designed to capture the electronic data on your card. Either a camera or a "shoulder surfer" captures you entering your PIN.

How you can protect yourself

• When you're entering your PIN on an ABM or a debit card (POS) machine, use your hand or your body to prevent people from looking over your shoulder ("shoulder surfing") while you type it in.
• Look for physical alterations on ABM or debit card (POS) machines.
• Don't let your debit card out of sight when you're conducting a transaction and don't let it be "swiped" twice. As soon as the transaction is complete, remember to take your card and the transaction record with you.

If you suspect that you have been a victim of card skimming fraud where it pertains to your account(s) with Ganaraska Financial, please contact your branch right away.