Are ATM Machines Safe to Use?

Overall, ATMs (automatic teller machines) can be a safe way to access money en route to a cash-only restaurant, say, or to conduct other banking transactions. But that doesn’t mean that theft, fraud, or other issues never crop up. They can and sometimes do.

Are ATMs Safe From Being Hacked?

The practice of card skimming is a principal reason why some consumers wonder if ATM machines are safe from hacking. As briefly noted earlier, ATM machines can have card skimmers attached to them. These devices collect debit card information and can allow fraudsters to access the associated bank account. Unfortunately, skimmers can be quite sophisticated and hard for consumers to detect.

Can you use an ATM at any time?

Some ATMs are open 24 hours a day, seven days a week; it’s often possible to find one accessible at any time. But because other ATMs are located within larger retail spaces (such as malls) or banks, they can have limited operating hours. ATMs may also be closed during less popular hours (such as the middle of the night) due to higher crime rates in an area.

When is the safest time to use an ATM?

The safest time to use an ATM is during the daylight hours, in well-trafficked locations when there are many people around. Whenever possible, try to avoid using an ATM after dark. If you must, it’s best to park close to the ATM and to only use it if it is in a well-lit area. Ideally, you should also bring someone else with you, to help you appear less vulnerable to a would-be thief.

How can ATMs be made safer?

ATMs are safest when they are in highly visible, well-lit areas that make committing a crime less appealing due to an increased likelihood of being caught. Having security cameras surrounding the ATM can also help discourage criminals, including those who may want to apply a card-skimming device. In general, it’s wise to use ATMs that are inside financial institutions or built into well-trafficked locations (such as your supermarket) vs. the freestanding ones or devices that are found outside, say, self-service gas stations.

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