Financial Tips

ATM Skimming: What Consumers Should Know

Card skimming is the illegal copying of information from the magnetic strip of a credit, debit, or ATM card. Skimming devices can be placed on or near an ATM or any device in which you swipe your card to make a payment and can be difficult to spot. The devices can capture information such as the account number, card number, name and the PIN (Personal Identification Number) associated with the card. The data collected from the skimming device is then used to create fake ATM or debit cards providing criminals with access to a bank account to make purchases or cash withdrawals.

How can I protect myself from ATM Skimming?

When using an ATM, consider these tips to help spot a skimming device:

    • Pull on the card slot to see if it is loose.
    • Wiggle the keypad to determine if it could have been replaced.
    • Look around the ATM to see if you notice any additional small cameras or something unusually placed.
    • Other signs of tampering can include sticky residue or evidence of an adhesive, scratches, damaged or crooked pieces, loose or extra attachments on the card slot, and noticeable resistance when pressing the keypad.
    • The devices used are generally smaller than a deck of cards and are often fastened in close proximity to or over the top of an ATM’s factory-installed card reader.
Skimming device
Pinhole camera
Keypad overlay







If you see something suspicious, do not use the ATM and report your concern to the police. In addition, if it is a Univest ATM, call 877.723.5571 immediately.

How does Univest Protect Its Customers from ATM Skimming?

  • Employees regularly inspect financial center ATMs.
  • Some Univest ATMs are equipped to shut down in the event tampering is detected.
  • Univest regularly monitors card activity for suspicious transactions.
  • Through the Univest mobile banking app, customers can suspend their card which blocks all activity and can assist in preventing fraud to their account.

What do I do if I am a victim of ATM Skimming?

  • Contact your bank immediately to make it aware of the situation, cancel your card and have a new ATM or debit card issued.
  • Be vigilant – closely monitor your account statements. If you notice any suspicious transactions such as ATM withdrawals, purchases made with your debit card, online banking payments or online transfers, contact your bank immediately to report that your card has been compromised. At Univest, these claims will be investigated and handled in accordance with internal guidelines regarding reimbursement of fraudulent transactions.


Univest Bank and Trust Co. is Member FDIC

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