08 Mar Protect your Debit Card: 6 Ways to stay safe at ATMs and pay-at-pump
Protect your Debit Card: 6 ways to stay safe at ATMs and pay-at-pump fuel stations.
When you’re on the go, your debit card makes life easier. But while you’re filling up your tank at a pay-at-pump station or getting cash from ATMs, fraudsters may be looking for a quick opportunity to steal your information. The good news? A few smart habits can help you protect your card—and your money.
1. ALWAYS inspect the card reader
Before inserting your card, take a quick look at the machine. If the card reader looks loose, misaligned, or unusually bulky, it could be a skimmer—a device criminals attach to steal card data. Wiggle the card slot and keypad gently. If anything feels off, don’t take the risk. Instead, move to another machine or location.
2. protect your pin Every time
Even when you’re alone, make it a habit to shield the keypad with your hand while entering your PIN. Criminals may place small hidden cameras near machines or use shoulder-surfing tactics to steal your PIN. A simple hand cover adds a powerful layer of protection.
3. Use the "credit" for debit card at the pump
Whenever possible, choose “credit” instead of “debit” at gas stations. This avoids entering your PIN, making it harder for thieves to capture sensitive information. Plus, credit transactions often come with additional fraud protections.
4. Take advantage of card lock features
Most debit cards today—including KEMBA’s—come with the option to lock and unlock your card instantly through mobile banking. If your card ever goes missing, or if you suspect suspicious activity, lock it immediately. Then, unlock it when you’re ready to use it again. It’s a simple way to stay in control 24/7. Make sure you enroll your KEMBA Debit Card(s) with the “CARDS” icon in the MyMobile menu.
5. Stick to well-lit, monitored locations
Criminals tend to target isolated or poorly lit ATMs and gas pumps. To reduce your risk, choose machines in high-traffic areas—ideally those attached to a bank or well-known store. These locations are more likely to have security cameras and regular monitoring.
6. KEMBA has your back
If fraud does happen, you’re not alone. KEMBA monitors your card activity 24/7 and alerts you to suspicious transactions. You can set up real-time alerts and have the ability to freeze your card right from your phone. When you use the Card Manager feature in MyMobile, you’ll always have tools at your fingertips to fight fraud fast.
final thoughts
Staying safe at ATMs and gas stations doesn’t require high-tech tools—just a little awareness and the right habits. By following these tips and taking advantage of KEMBA’s built-in protections, you can pay with your KEMBA Debit Card and go with greater peace of mind.
We're here to help!
If you ever have questions about a suspicious message or need help protecting your account, please reach out. Our team is here to support you and keep your financial information safe.
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