ATM & Business Credit Card Safety Tips | FNB Norcal


ATM / Debit Card Safety Tips

Debit Card Safety

  • Keep your PIN secure: Memorize your PIN. Never write it on your card or store it with your card. Never let someone else enter it for you.
  • Do not disclose information about your card or account over the telephone. No one needs to know your PIN; not even your financial institution. If you perform transactions over the telephone using your debit card, never disclose your PIN.
  • Never disclose information about your card, such as card number and/or PIN in response to an unsolicited e-mail or request. FNBNC will never send an e-mail asking for non-published personal information.
  • Make certain your Internet shopping or travel booking sites are secure. Use trusted sites or look for secure transaction symbols when shopping online to ensure your account information is protected. Always log off from any site after you make a purchase. If you can't log off, shut down your browser to prevent unauthorized access to your account information.
  • Protect your card's magnetic stripe. Do not expose your card's magnetic stripe to magnetic objects as they can damage your card.
  • Report a lost or stolen card immediately. Call your local branch, email FNBNC at or go to and select Customer Service under the Card Services heading.
  • Review your account statements for unauthorized transactions. Review all FNBNC account statements promptly; or better yet, monitor your account through FNBNC’s online banking system. Report any errors, including transactions you believe may be unauthorized, as soon as possible.

ATM Safety

Observe your surroundings before conducting a transaction
If anyone or anything appears to be suspicious, leave the area at once. Park close to the terminal and observe the entire area from the safety of your car before getting out.

Only use well-lit, unobstructed ATMs
If the ATM is obstructed from view or poorly lit, leave the area and use another ATM.

Minimize time spent at the ATM when conducting a transaction
Have your card out and ready to use. Never count your money while at the ATM.

Block the view of others when using an ATM
Prevent "shoulder surfing" by standing between the ATM and anyone waiting to use the terminal. Shield the keypad as necessary when entering your PIN and transaction amount.

Look for fraudulent devices attached to the ATM
If the ATM appears to have any attachments or alterations to the card slot or keypad, do not use the terminal. While not immune from scammers, Bank ATMs can be difficult targets because they have a high volume of traffic, and are often under the watchful eye of surveillance cameras. Consequently, the bad guys tend to go for more isolated ATM machines at airports and convenience stores. Their methods include mounting a device on the ATM card slot, which reads your card’s magnetic strip, while at the same time, a nearby hidden pinhole camera will capture your PIN.

Drive-through ATM Safety

  • Keep your doors locked and engine running at a drive-through ATM.
  • Always leave enough room between vehicles to allow for a quick exit.
  • Before rolling down the window to use an ATM, observe the area for anything suspicious.
  • Minimize the time spent at the ATM.

If you suspect any questionable activity at an ATM, or notice any unauthorized use of your debit card, always note the date, time and location, and report the problem to FNBNC immediately.