ATM cards, like checks or credit cards, can be stolen from a mailbox, purse or wallet; obtained during a burglary, street robbery or larceny; or used without permission by a family member or friend. They are of little use without the Personal Identification Number (PIN) needed to activate the ATM. Sometimes a con man will observe the use of the card at the ATM.
A con artist may pose as a repairman to obtain data from a user, may interrupt a transaction prior to its completion, steering the user to another machine; or may enlist the help "testing" a machine. All of these scams may result in the ATM user losing money from an account.
How to Avoid
Memorize a PIN; do not write it on a card or paper.
Complete all transactions at the ATM.
Do not lend your card or assist any repairman to test any ATM.
Safeguard your card like you would your cash; it is!