When you stop at a gas station to fuel up or grab a snack, you probably never think twice about swiping or inserting your debit card. Likewise, you might also use ATMs without thinking about the possibility of anything being off. However, skimming is a type of fraud that targets these machines. Avoid calling your bank to get fraudulent charges reversed by learning more about this scam below.

What Is Skimming?

Skimming is a process where scammers intercept your bank or debit card information through a legitimate transaction device. Gas stations are prime targets for skimming, as there is little surveillance around the card scanners at pumps or on ATMs.

How Does It Work?

To skim, a scammer will place a card reading device over the actual card reader on a pump or machine. When you swipe or insert your card, you’re sending your information to the scammer instead of sending it to pay for your gas or withdraw money. Fake keypads can also be placed over the actual keypads, capturing your PIN.

How Can You Avoid Skimming?

If you don’t want to end up on the phone with your bank or police department because you were victimized, you should avoid using your debit card at gas stations and ATMs. If you have no choice, make sure you give the machine a thorough check. Touch the card reader and keypad, feeling for any seams that would indicate a device has been placed over the actual machine. Also, opt for a credit card rather than a debit card. If a credit card is charged, the bank is the one on the hook for the money. If a debit card is charged, you’ll have to get the charges reversed to get your money back in your account.

When you need a bank that offers a wide variety of financial services, choose Putnam 1st Mercantile Bank in Cookeville, TN. Whether you need a checking account, a savings account, or even merchant services, they can help. To get in touch, visit them online or call (931) 528-6372.