ATM Safety

Your Card and Personal Identification Number

Protect your ATM card from damage by keeping it in a safe place — don't allow it to bend or be scratched. Memorize your Personal Identification Number (PIN) — if you must write down your PIN, do not keep it in your wallet, purse, or on the card itself. When selecting a PIN, avoid numbers and letters that can be easily identified or associated with you. Do not use your initials, birth date, or telephone number. In case you lose your card — be sure to know the emergency phone numbers for your financial institution.

When Using an ATM

  • Look around and observe your surroundings — if the machine is poorly lit, or is in a hidden area, use another ATM.
  • Have your card ready — avoid having to go through your wallet or purse to find your card.
  • Make sure that anyone waiting to use the ATM after you cannot see you entering your PIN or transaction amount.
  • Don't count your cash while standing at the ATM — put your cash, card, and receipt away immediately.
  • Cancel your transaction and leave immediately if you see anything suspicious.
  • Confirm, as soon as possible, that the transaction was canceled by calling UMB at 800.842.8950.
  • If you are using an indoor ATM that requires your card to open the door, avoid letting anyone come in with you that you do not know.
  • Lock the car doors and roll up the other windows when you use a drive-through ATM.
  • Do not leave your keys or valuables in the car when using an ATM — and do not leave your car engine running.
  • Do not leave your receipt behind — take it with you. Compare your ATM receipts to your monthly statement. It is the best way to guard against fraud and it makes record-keeping easier for you.

If you lose your UMB Visa Check Card or your ATM card, please call UMB immediately at 800.842.8950.

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