President's Corner

Articles from our President & CEO on topics of interest to our members.

Protecting Yourself Against Fraud, vol. 3

May 2017

ATMs. Gas pumps. Self-checkout payment pads.

What do all three have in common? All of them can be physically hacked by scammers to enable them to skim your credit or debit card information—and that kind of hacking is unfortunately on the rise.

Skimming, to give you a brief overview, requires perpetrators to place some sort of device either on top of existing card-reading equipment, or beneath the surface, hooked into the card reader’s computer. That equipment, often used along with a pinhole camera of some sort, is used to grab your card information as soon as you swipe your card, and capture video as you enter your PIN. The hackers can later download the card numbers and matching PINs they’ve collected, and then they can either sell the information on the dark web or use it to create fake cards.

While skimming devices are becoming more and more sophisticated and therefore more difficult to detect, there are a number of things you can do to protect yourself.

  1. Use your credit union or bank ATM. Reliant and other financial institutions have systems in place that can detect tampering. We also monitor and inspect our ATMs carefully and frequently.
  2. Know the ATM you use. If you frequently withdraw cash from a particular machine, inspect that machine to familiarize yourself with the look of the machine. Look for changes in cleanliness around the card reader, which could indicate it has recently been cleaned to allow the skimming device to be affixed. Look for marketing messaging that’s covered up that had been fully visible. A financial institution wouldn’t cover its marketing messages!
  3. Cover the keypad when you’re entering your PIN. When a pinhole camera is used, it’s placed in a location that allows it to capture your hand striking the keys as you enter your PIN. If you shield the keypad from view, you’re preventing hackers from capturing that data to connect with your card number.
  4. Look for things that protrude around the card reader and jiggle them—they shouldn’t budge. When hackers install skimming equipment externally, they’ll often use double-sided tape or something similar, so their card readers tend to move a little if you jiggle them. Permanent equipment shouldn’t have any give to it.
  5. Look for broken stickers on the gas pump or ATM. When a hacker adds equipment internally, rather than externally, he may break stickers that cover the seam in the façade of the pump or ATM, so any broken sticker could indicate the machine has been tampered with.

If you see a card reader or ATM that is suspicious in any way, don’t use it, and report your concerns to the financial institution or proprietor of the business where the ATM or point-of-sale device is located. If you fear you’ve recently used a machine that you are now concerned may have been compromised, make sure to closely monitor your account, and sign up for credit card alerts or account alerts, if you haven’t already.

I encourage you to do an online search of “card skimming devices” to try to educate yourself even more on this topic. I’ve also included a couple of links to articles that provide additional information, in case you’d like to do some more reading. As I’ve said previously, hackers are constantly evolving their tactics, and we as consumers need to be just as committed to educating ourselves and protecting our personal information.

Thank you, as always, for your membership.

Additional Reading on Skimming

"Would You Have Spotted the Fraud?" from Krebs on Security

"How to Spot and Avoid Credit Card Skimmers" from PC Mag


President's Corner Archive

April 2017 Protecting Yourself Against Fraud, vol. 2

March 2017 — Protecting Yourself Against Fraud

February 2017 At the Touch of a Finger

January 2017 A Fresh Start

December 2016 Small Business Every Day

November 2016 Apple Pay: One of My New Favorite Things!

October 2016 Have You Tried Online Bill Pay Recently?

September 2016 — Refinance Your Mortgage to Save Money—and So Much More!

March 2016 — Introducing Apple Pay!

February 2016 Simple Steps You Can Take to Help Prevent Fraud

I am always open to hearing from our members. If you have any questions about the information on this page, or about anything Reliant-related, please feel free to email me at

I look forward to hearing from you!

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