Mumbai- For the past few days, ATMS have become the favourite haunts of most Mumbaikars. Security agency Tops Group CEO Niraj Bijlani tells us how to optimise the use of ATMs and protect our money.
· Change your PIN frequently.
· Try using an ATM that is run by your own bank. This helps in maintaining confidentiality and in case of any breach or dispute, it remains within the jurisdiction of your own bank and no other lender or “entity” is involved.
· If you don’t travel outside the country frequently, call your bank and instruct them to block usage of your card in overseas locations. When you travel, call your bank, ask them to unblock the card for temporary use.
· Be careful when you are using your ATM. Nobody should be present at the ATM kiosk while you are making the transaction.
· If you use your debit card outside the country, change your PIN on your return.
· Contact your bank immediately in case of any discrepancy, unusual transaction, or if you receive calls on “fictitious” transactions.
· If using the ATM at night, take someone with you.
· Keep your computer’s virus protection up to date. Use spyware and malware detection. Update your computer frequently with recommended security patches.
· Do not set passwords comprising name of your spouse, children or parents. Also, never put your date of birth as the PIN.
· Avoid opening emails seeking financial information.
· Never share any information pertaining to your financial data or account on emails or text messages or even over the phone.
· Do not give your card number or PIN to any vendor.
· Do not allow a vendor to swipe your card if you are not present.
· Put your ATM card and receipt away promptly; never leave your receipt at the ATM.
· Shield the keypad when entering your PIN to keep it from being observed.
· If the lights at the ATM are not working, don't use it.