Card Skimming: What It Is and How to Protect Yourself

Debit and credit cards make everyday purchases quick and convenient. However, criminals constantly seek ways to steal card information. One method to be aware of is card skimming.

The good news? A few simple habits can make it much harder for scammers to get your information.

What Is Card Skimming?

Card skimming occurs when a criminal places a small device on or inside a legitimate card reader. When you insert or swipe your card, the device captures information stored on your card's magnetic stripe.

Skimmers can be difficult to spot. They may be placed on ATMs, gas pumps, payment terminals, or other card readers. Criminals may also use a hidden camera or fake keypad to capture your PIN. More sophisticated devices, called shimmers, can be placed inside a card reader, making them even harder to see.

How Can You Protect Yourself?

👀 Take a quick look before using a card reader.

Check for anything that looks loose, crooked, damaged, or different from the other terminals nearby. If something doesn't look right, don't use it.

✋ Give the card reader a little wiggle.

Skimming devices are sometimes placed over the real card reader. If something feels loose or moves when it shouldn't, use another terminal and let the business know.

🔢 Cover the keypad when entering your PIN.

Use your hand to shield the keypad. This can help protect your PIN from hidden cameras or someone watching nearby.

📱 Use contactless payment when available.

Tapping your card or using a mobile wallet such as Apple Pay or Google Pay can reduce your exposure to traditional card skimmers because your card isn't being swiped through the magnetic-stripe reader.

⛽ Be especially cautious at gas pumps and outdoor ATMs.

Unattended payment terminals can be attractive targets for skimming devices. At a gas station, consider using a pump closer to the building or paying inside if something about the card reader looks suspicious.

🔔 Turn on account alerts.

Transaction alerts can help you spot unauthorized activity quickly. The sooner you notice something unusual, the sooner you can take action.

💳 Check your account regularly.

Don't wait for your monthly statement. Reviewing your transactions through online or mobile banking can help you catch suspicious purchases quickly.

What If You Notice a Transaction You Don't Recognize?

If you see a debit or credit card transaction you don't recognize, contact EFCU as soon as possible. We can help you review the transaction and determine the next steps, including blocking or replacing your card when necessary.

And remember: Never provide your PIN, online banking password, verification code, or other sensitive information to someone who contacts you unexpectedly.

Additional Tips for Staying Safe

Understand the Risks

Card skimming is a real threat. Being aware of the risks can help you stay vigilant. Always be cautious when using your card.

Educate Your Family

Share this information with your family. Make sure they understand how to spot potential skimming devices. Encourage them to adopt safe practices when using cards.

Report Suspicious Activity

If you notice anything suspicious, report it immediately. Contact your bank or credit union. They can take necessary actions to protect your account.

Use Strong Passwords

For online banking, use strong, unique passwords. Change them regularly. This adds an extra layer of security to your accounts.

Be Wary of Phishing Scams

Criminals may try to trick you into giving away personal information. Be cautious of unsolicited emails or messages asking for sensitive details. Always verify the source before responding.

A few seconds of caution at the card reader and a quick glance at your account activity can go a long way toward keeping your card information safe.

Stay alert. Tap when you can. And keep an eye on your account.