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Consumer Tips to Help Prevent Debit Card Fraud

December 20, 2014 | Return to News & Updates

To avoid becoming a victim of debit card fraud, the American Bankers Association offers these tips:

  • Immediately notify your bank if your card is lost or stolen.
  • If you have reason to suspect fraud, check your account balance right away by utilizing online banking or telephone banking.
  • Use your body to shield the ATM keyboard as you enter your PIN.
  • Keep your receipts to check against your statement.
  • Keep a record of card numbers, expiration dates, and toll-free numbers for banks so you can contact the issuing bank easily in cases of theft.
  • Mark through any blank spaces on debit receipts, including the tip line at restaurants, so the total amount cannot be changed.
  • Know your limits.  Many issuers limit daily purchases and withdrawals for your protection.
  • Be wary of those trying to help you, especially when an ATM “eats” your card.  They may be trying to steal your card number and PIN.
  • Do not give your PIN to anyone over the phone.  Thieves often steal cards and then call the victims for their PIN, claiming to be law enforcement or the issuing bank.
  • Always take your receipts or transaction records with you.
  • Do not leave your ATM card lying around the house or on your desk at work.  No one should have access to the card but you.
  • Check your bank statements often.  Report unauthorized transactions immediately.