Central State Credit Union Cares About Your Financial Security
CSCU is committed to educating you about fraud and identity theft. This section is devoted to explaining some of the more prevalent scams and frauds, and includes ways you can protect yourself. For more information on possible risks to your financial security and how to protect your identity, visit the Federal Trade Commission's website.
Steps CSCU Takes to Keep Your Personal Information Safe
Review our Privacy Policy to learn how CSCU takes all precautions to keep your personal information safe.
Report Fraud or Suspicious Activity
Skimming FAQs
Skimming is a hi-tech method of capturing your personal or account information from your credit card, ATM card, debit card or driver's license. An electronic device used to capture this information is called a "skimmer," and can be purchased online for under $50. Your card is swiped through the skimmer and the information contained in the magnetic strip on the card is then read into and stored on the device or an attached computer.
How and where does skimming occur
- Skimming at restaurants. Many skimming incidents occur at a restaurant where a server is carrying a skimming device in his or her apron or somewhere close by.
- Skimming devices hidden in ATM machines. It is not uncommon for a thief to be bold enough to tamper with an ATM machine. Typically, a "card trapping" device is inserted into the ATM card slot. This trap scans the card and stores its associated information or just traps the card and doesn't return it to the owner.
- Skimming by store clerks. A very common form of skimming involves store clerks skimming your credit card when you make a purchase.
- Skimming devices hidden in card payment terminals. Skimming is becoming more sophisticated and thieves are rigging card payment terminals with electronic equipment to capture the card information. The recorded card numbers are stored in an additional implanted chip and thieves return later to retrieve it.
What Are Some Ways I Can Protect Myself Against Skimming?
Here are some things that you can do to lessen the chances you will become a victim of this tactic:
- Closely monitor anyone who handles your card. Watch anyone that you give your card to for processing, such as a waiter, clerk, attendant, etc. If at all possible, do not let them out of your sight.
- Be aware of your surroundings. The first step to prevent skimming is understanding what is going on around you. Prior to inserting your ATM card, look closely at the ATM card reader to make sure it looks appropriate and is not altered.
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