Using ATM/Debit Cards

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Like checks, ATM/debit cards are tools for handling money in your account. Before using them, you will need to choose a Personal Identification Number (PIN). It will be your personal code for accessing your money.

• Sign the signature panel on the back of your card as soon as you receive it.
  
  
• Keep your ATM/debit card in a safe place.
  
  
• Memorize your PIN. Never write it on the card. Never carry it in your purse or wallet. Do not share it, not even with a bank representative, police officer or someone in a store. You are the only one who should know it. If you have a joint account with a parent or guardian, talk with them about whether they should have access to your PIN.
  
  
• Treat your card as if it were cash. Never leave it lying around. Get it back every time you use it.
  
  
• Do not share your ATM/debit card number over the phone or online if you are not sure it is a trusted source.
  
  
• Enter ATM/debit card transactions into your check register when you make them. Subtract amounts, including any service fees, from your account balance, just as if you wrote a check.
  
  
• Notify the bank immediately if your ATM/debit card is lost or stolen. This helps protect you if someone else uses your card.
  
  
• Use ATMs only in well-lighted, busy locations. Stand right in front of the screen so no one can see you enter your PIN. It is better to avoid walk-up ATMs.
  
  

Choose A Unique Pin

• Do not use your initials, birth date, telephone number, SSN or any other identifying number.
• Do not choose repeating numbers, such as 2222 or 4646.
• Do not choose consecutive numbers, such as 1234 or 8765.