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ATM Security

ATMs are a fast and easy way to withdraw cash, check account balances, transfer funds and more. But they can be the target of crime, including a new type of fraud called ATM card skimming.

ATM Security Tips

ATM software loads are considered confidential information; however, please be assured BB&T has multiple layers of safeguards in place to protect our ATM systems and client data.

Here are general tips to keep in mind as you use ATMs:

Observe Your Surroundings

  • Park as close as possible to the ATM.
  • Leave the area if you see anyone or anything suspicious.
  • Go to another ATM if it is obstructed from view or poorly lit.

Mind Your Neighbors

  • Take a companion with you, especially at night.
  • Minimize the time you spend at the ATM by having your card out and ready to use.
  • Give the person in front of you the privacy you expect. Allow them to move away from the ATM before you approach it.
  • Cancel your transaction and leave immediately if you notice someone or something suspicious.
  • Once you have completed your transaction, take your money, card and receipt and leave immediately.
  • Call the police if anyone follows you from the ATM.

Watch for Equipment Problems

  • Be suspicious if the ATM looks unusual or has any exposed wires.
  • Report problems with ATMs to the appropriate financial institution.

Practice Good PIN Security

  • Stand between the ATM and anyone waiting nearby so others cannot see you type your PIN or the transaction amount.
  • Cover the keypad with your hand when entering your PIN.
  • Don't use the same PIN for more than one card.
  • Change your PIN regularly.

ATM Skimming

What Is ATM Skimming?

ATM skimming is a type of fraud that occurs when an ATM is compromised by a physical skimming device, such as a fraudulent card-reading device disguised to look like a legitimate part of the ATM machine. The purpose of ATM skimming is to steal card details, including card number and PIN data, from ATM users to create a counterfeit card.

How It Works

In this scam, an unauthorized card-reading device is mounted on top of, or inserted into, the ATM card entry slot. The device captures your card information from the magnetic strip on your card. Hidden cameras or fake keypads record your PIN. Cameras may be hidden by false banners or stickers designed to look real. Thieves then combine your card number and PIN to manufacture counterfeit cards to make fraudulent purchases or withdraw funds from your account.

Signs of ATM Skimming

ATM card-reading devices may come in a number of shapes and forms, but typically consist of two or three common components:

  • A device that fits over the real card insertion slot
  • A discreet or hidden camera with a view of the PIN keyboard that may be concealed by housing
  • A mock keypad that fits over and/or on top of the real keypad

The skimmers are often affixed to exterior and drive-up ATMs after normal business hours and during the weekend—especially long holiday weekends. They are often loosely secured with two-sided tape to be quickly applied and removed from the ATM.

Warning signs to look for include:

  • An extra device attached to or inserted in the card reader
  • An extra layer over the keypad buttons
  • The device is loose when touched or a slightly different color than the rest of the ATM
  • A new camera or small housing with a hidden camera on the ATM that has an unobstructed view of the PIN keypad
  • An unusual new device mounted near or on the ATM
  • Visible damage, glue or tape residue on the ATM
  • Exposed wires coming out of the ATM
  • New banners or stickers you have never noticed at the ATM

BB&T uses sophisticated layers of fraud tools to monitor accounts and takes every appropriate action to protect our clients from fraud. If you identify a skimming device on a BB&T ATM, please refrain from tampering with or removing the device. Immediately contact local law enforcement and alert the closest BB&T branch or contact us at 800-BANK-BBT (800-226-5228).

Get Help

If you have been the victim of a crime that took place at an ATM, contact your financial institution immediately.

BB&T clients may call our online banking support line at 888-BBT-ONLINE (888-228-6654).

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Call 800-BANK-BBT (800-226-5228).

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