ATM and Night Deposit Security
ATM Fraud Alert
Please be aware of a telephone scam involving fraudsters attempting to obtain personal information from cardholders. Cardholders receive computer-generated calls claiming to be from their financial institution. The call claims that their accounts have been frozen and direct the cardholder to call a toll-free number to leave their debit card information in order to reactivate any cards. Should you receive a questionable call, please do not provide any personal information. Contact us immediately by calling 410-546-1101.
As with all financial transactions, please exercise discretion when using an ATM or night deposit facility. The following suggestions may be helpful.
- Prepare for your transaction at home to minimize your time at the ATM or night deposit facility.
- Mark each transaction in your account record, but not while at the ATM.
- Always save your ATM receipts. Don't leave them at the ATM or night deposit facility because they may contain important account information.
- Compare your records with the account statements you receive.
- Protect your ATM card as though it were cash. Don't lend your ATM card to anyone. Do not leave your card at the ATM.
- Protect the secrecy of your PIN. Don't tell anyone your PIN. Never enter your PIN in any ATM that does not look genuine, has been modified, has a suspicious device attached or is operating in a suspicious manner. Don't write your PIN where it can be discovered. For example, don't keep a note of your PIN in your wallet or purse.
- Prevent others from seeing you enter your PIN by using your body to shield their view.
- If your ATM card is lost or stolen, promptly notify us. You should consult the other disclosures you have received about electronic fund transfers for additional information about what to do if your card is lost or stolen.
- Look out for suspicious activity near the ATM facility, particularly after dark. At night, be sure the facility is well lighted. Consider having someone accompany you, especially after dark. If you observe any problem, go to another facility.
- Do not accept assistance from anyone you do not know at an ATM facility.
- Don't display your cash. Count the cash later in the safety of your car or home.
- At a drive-up facility, make sure all your car doors are locked and windows are rolled up. Keep your engine running and remain alert to your surroundings.
- If you notice any problems with a facility, such as a light not working or damage to the facility, let us know. Report any suspicious activity to the operator of the facility and local law enforcement immediately.
- Don't give anyone any information regarding your ATM or Debit card or PIN over the telephone. To verify whether a call is legitimate, call your bank using phone numbers from your bank statement or account documentation. If you receive an automated call from Enfact, our fraud detection program regarding potential fraud on your ATM or Debit Card, you will not be asked for your card number or PIN.