The automated teller machine (ATM) has long made banking more convenient by letting people withdraw cash from their bank accounts anytime without having to queue at an actual teller and transact over the counter. It’s a simple and reliable way to access your funds.

To use an ATM, you typically need a debit card that’s linked to your savings or checking account. Most banks provide one when you open an account, while digital banks now make the process even easier. In the case of the country’s #1 digital bank, Maya, you can request a physical Maya Card, activate it online, and use it at any ATM that accepts Visa or Mastercard.

While ATMs are built for convenience, they also require caution. Careless habits, like using machines in unsafe locations or during ungodly hours, can expose you to the risk of identity theft or robbery. It’s advisable to follow safe ATM practices to protect your money and personal information. Below are some essential do’s and don’ts that every cardholder should keep in mind to ensure secure and worry-free transactions.

The Dos of Using ATMs Securely

1. Make sure your debit card is activated

Before using your debit card, make sure it’s properly activated to avoid declined transactions or unauthorized use. Quick activation gives you confidence that it will be linked with your bank account, and only with your bank account, immediately. If you’re getting a Maya Card, you can easily activate it online through the Maya app. Once activated, you can use the card to withdraw cash and pay for online and in-store purchases without hassle.

2. Use ATMs that support your card

Before inserting your card into the ATM, check if it supports your card network. Most of the time, the Mastercard or Visa logo is displayed on the ATM screen or near the card slot. Otherwise, you may experience failed transactions or be charged unnecessary fees when using an unsupported machine. So, if you’re a Maya user, make sure to use ATMs that support your Maya Mastercard or Maya Visa Card.

3. Protect your PIN and change it regularly

Your PIN, which stands for personal identification number, is your personal key to your account, so protecting it should always be your top priority. That said, shield the keypad with your hand whenever you enter your PIN to prevent shoulder-surfing criminal actors from seeing it. Also, avoid using predictable combinations like birthdays, anniversaries, or repeating numbers.

It’s also recommended to change your PIN regularly, especially if you’ve recently used your card in a public ATM or if you suspect someone may have seen your code. Regularly updating your PIN adds an extra layer of protection that helps prevent unauthorized access to your account.

4. Be aware of your surroundings

A secure ATM transaction begins with awareness. Before approaching a machine, take a moment to look around. If the area feels unsafe or if someone seems to be watching you closely, trust your instincts and walk away. It’s also best to choose ATMs in secure, well-lit locations, such as inside bank branches, shopping malls, or convenience stores with security cameras.

Additionally, avoid isolated areas, especially at night, as these locations may expose you to higher security risks. If possible, plan your ATM visits during the daytime or in areas with foot traffic to minimize potential risks.

Minimize distractions when withdrawing cash

When it’s your turn at the ATM, focus on the transaction. Avoid using your phone or chatting with others. After withdrawing, place your cash and card securely inside your wallet or bag before leaving.

Thieves often take advantage of distracted individuals, especially those fumbling with cash or receipts in public. When you stay alert during your transaction, you lessen the risk of losing cash or leaving your card behind.

The Don’ts of Using ATMs Securely

1. Don’t accept help from strangers

If someone offers to “assist” you while you’re at an ATM, politely decline. Some scammers pretend to help when, in fact, they’re trying to observe your PIN or swap your card when you’re not paying attention. It’s always safer to handle the transaction yourself or, if you’re having trouble, cancel the process and contact your bank directly for help.

Even in crowded places, maintaining privacy at the ATM is essential. Keep others at a distance while you enter your details, and never hand your card to anyone, even if they appear trustworthy.

2. Don’t use damaged or suspicious-looking ATMs

Before inserting your card, take a moment to inspect the machine. Avoid using ATMs that have loose, broken, or misaligned card slots, as these could indicate tampering or the presence of skimming devices. Be wary of ATMs with additional attachments near the keypad or screen that look out of place as well.

If an ATM fails to read your card, displays error messages repeatedly, or suddenly goes offline mid-transaction, cancel the process right away and find another machine. Consider using ATMs located inside bank branches themselves, where the risk of tampering is much lower. Remember to always be cautious about the condition of the ATM, since tampered machines can lead to card cloning and unauthorized account access.

3. Don’t leave your card or cash behind

In the rush of daily life, it’s easy to forget your card or cash at the ATM. So, always take a moment to ensure you’ve retrieved everything before walking away. Some machines automatically retract the card after a few seconds if left uncollected, which may require you to contact your bank to recover it.

Likewise, if the machine unexpectedly retains your card, report it immediately to the bank that operates the ATM. If possible, stay at the site until you confirm your card’s status to prevent anyone from misusing it.

4. Don’t share your PIN or account details

Your PIN and account details are private information that should never be shared, not even with people claiming to be bank staff or customer service representatives. Reputable institutions will never ask for your full PIN or card number.

If someone requests your personal details, treat it as a red flag for a phishing or identity theft attempt. Moreover, only communicate through official customer service channels or verified apps to ensure your information stays protected.

5. Don’t rush through your transaction.

Speed often leads to mistakes. Read each instruction on the screen and confirm your transaction details carefully. If you move too quickly, you might enter the wrong amount, choose the wrong account, or overlook warning signs that the ATM has been tampered with.

Keep Every ATM Transaction Safe and Worry-Free

It doesn’t take much effort to use ATMs safely, but it can make a big difference in protecting your finances. Practices like selecting the right machines, staying alert, and handling your card responsibly allow you to enjoy convenient cash access without unnecessary risks. Remember, security starts with awareness and the smart choices you make every day.