Card skimming involves a device that secretly records, or “skims” data that is stored on the magnetic stripe of your credit/debit card.  Many times, thieves may also use tiny cameras to capture your PIN # when you enter it into the keypad.

This data is than used to make counterfeit cards.

Here are some steps you can take to protect yourself and others:

  • Pay attention to your surroundings.  Look for extra pieces of plastic, broken seals on gas pump doors, or any loose or hanging wires.  If something looks suspicious, it is better to be safe than sorry.
  • If the ATM you are using is one where you insert your card rather than just swipe it, grab the plastic slot and see if it wiggles.  If it moves up and down, there may be a skimmer attached.
  • Look for any small cameras that may have been placed where it can see you input your PIN #. Use your free hand to cover the other as you enter your PIN #.
  • If you can, avoid paying at the pump or using a non-bank/credit union affiliated ATM.  Try to avoid independent ATMS that are not associated with a particular financial institution- like those at gas stations and other random locations.
  • Check your account activity frequently. If your account is compromised, the sooner you catch it, the better.  We offer the TouchBanking app, Online Banking, and the MARS Audio Response system to assist you with checking your account 24/7.

We at HarborLight Credit Union strive to do our best to make your accounts as safe as possible.  If you have any questions or concerns contact us at (231)894-5608, Ext.232, 225, or 223.