ATM and gas pump skimmers

Criminals are constantly using new types of technology in order to steal consumers’ credit and debit card information. It’s important that consumers are aware of these methods so that they can better protect their money and credit. Recently, criminals are attaching credit or debit card readers, known as “skimmers,” to ATMs and gas pumps. 

So what are “skimmers?” And how can you protect yourself? 

What are “skimmers?”

A skimmer is a small device, often smaller than a deck of cards, that can scan and store credit or debit card data from the card’s magnetic stripe. Once a card is run through the skimmer, the data is stored, and the criminal can later use that information. Criminals often install a skimmer onto an ATM or gas pump and then collect it a day or two later. 

For debit cards, criminals will also place a small camera in order to secretly record the cardholder enter their Personal Identification Number (PIN) onto the keypad. The cameras are usually a small “pinhole” camera that can be hidden in a manner that blends in with the machine. 

Once the criminals retrieve the skimmer and camera, they can either sell the information over the internet or create counterfeit cards to use for shopping sprees. Often times, the card holder does not know about the theft until they get their card statement. The newer credit cards that have security chips installed still have information on the magnetic strips that can still be recorded by a skimmer.

Is this a crime?

Yes. Stealing the data stored on the magnetic strip of another person’s credit or debit card is a crime under Minnesota law. Just possessing a skimmer or equipment to create counterfeit cards is a felony under Minnesota Statues Section 609.527, subdivision 5b (2016). 

How can you tell if a skimmer is attached to a gas pump or ATM?

One way is to look at other nearby gas pumps or ATM machines. They should all have the same set-up. If the card reader at the gas pump or ATM you are using looks different from the others or looks like it has been tampered with, do not use it.

Look for security tape. Many gas stations are now putting a piece of security tape over where the card reader is installed. The security tape is modified so that any tampering will be obvious to the casual observer.

Look for tampering. Some criminals have the time and expertise to break into the gas pump or ATM and install the skimmer inside the machine. However, there will usually be signs of the break-in: different colored parts that don’t match the rest of the pump or ATM, graphics that are not lined up or signs of tampering at keypad or card reader itself. 

Wiggle everything. If you cannot see any visual differences, push at different parts of the machine, especially the card reader. ATMs and gas pumps are solidly constructed and should not have parts that are loose. 

Use your best judgment. If you suspect that either an ATM or gas pump have been altered, do not use it. Then notify the bank that operates the ATM or the gas station employees of your concerns. When dealing with banks, it is best to ask for their Corporate Security Dept. as they deal directly with the security of the ATMs. 

How can I protect myself?

If you can, pay with cash inside the gas station to ensure any card information remains safe. If that is not an option, only use a credit card at the gas pump or choose the credit card option for your debit card. There’s significantly more fraud protection for credit cards than debit cards. Also, by using the credit card option for your debit card, you will not have to enter in your PIN and that information will not be recorded. 

When using your debit card at an ATM, use your other hand to cover the keypad as you enter PIN. That should block any cameras from recording your PIN.

If you believe your card information was stolen by a skimmer, report that immediately to your bank or credit card company and the police. Since criminals act quickly with this type of stolen information, you need to report the matter as soon as possible so that you can limit your liability for any fraudulent transactions. 

Regularly review your bank and credit card statements for any unauthorized charges to your account. If you think someone has fraudulently used your card information, contact your bank or credit card company as soon as possible. There are laws to protect you from certain unauthorized charges if you promptly report them.

For help with a consumer problem, contact the Attorney General’s Office at:

Office of Minnesota Attorney General Lori Swanson, 445 Minnesota Street, Suite 1400, St. Paul, MN 55101, 651-296-3353, www. ag.state.mn.us