How to Spot and Prevent Card Skimming Fraud
Posted on Jun 2, 2026
Learn how skimming devices work and how to protect yourself.
Card skimming fraud continues to impact consumers across the country. Criminals use hidden devices attached to legitimate payment terminals to capture debit and credit card information during everyday transactions.
These devices are often difficult to notice at first glance and are commonly found on:
- ATMs
- Gas station pumps
- Self-checkout kiosks
- Parking meters
- Retail payment terminals
Once your card information is stolen, scammers can create counterfeit cards or use the information for unauthorized purchases.
How Skimming Works
A skimming device is typically placed over a real card reader. When you insert or swipe your card, the skimmer captures the magnetic stripe data. Some scammers also install hidden cameras or fake keypads to record your PIN.
Because the devices are designed to blend in, many people do not realize they have been targeted until fraudulent transactions appear on their account.
Warning Signs of a Skimmer
Before using a payment terminal, take a moment to inspect it. Signs of tampering may include:
- Loose or bulky card readers
- Misaligned keypads
- Broken security seals
- Parts that wiggle or appear attached
- Hidden cameras near the keypad
If something feels suspicious, do not use the machine.
Ways to Protect Yourself
There are several easy ways to reduce your risk of skimming fraud:
Use Tap-to-Pay
Contactless payments are more secure because your card information is encrypted during the transaction.
Cover Your PIN
Always shield the keypad with your hand when entering your PIN to block hidden cameras.
Monitor Your Accounts
Review your account activity regularly and report suspicious transactions immediately.
Choose Secure Locations
Whenever possible, use ATMs located inside financial institutions instead of isolated machines.
Enable Alerts
Set up account alerts so you can quickly detect unauthorized purchases or withdrawals.
What to Do if You Suspect Fraud
If you believe your card information has been compromised:
- Notify us immediately
- Lock or freeze your card if available
- Review recent transactions carefully
- Update your PIN
- Continue monitoring your accounts
Acting quickly can help minimize potential losses and prevent additional fraud.
At Notre Dame FCU, protecting our members is a top priority. Staying informed is one of the best defenses against fraud.
Stay One Step Ahead of Fraud
Learn more ways to protect your accounts and personal information at: