The holiday shopping season is in full swing, which usually means more visits to the ATM for cash. That's why it's especially important to be cautious when using ATMs this time of year. Your ATM card can still be a convenient way for you to withdraw cash, check balances, make deposits, and more. Just play it smart, and follow these safety tips to protect your card and, more importantly, yourself.

When approaching an ATM:

• Before you approach the ATM, look around and check out the area. If the lights aren't operating or anything seems suspicious, come back later or use another ATM.
  
• Be especially careful when using the ATM at night. If possible, have someone accompany you on your trip.

While using an ATM:

• Always have your card in hand before you approach the ATM. If you're making a deposit, seal the envelope before you reach the ATM.
  
• Perform your transaction, and remove your card as quickly as possible. When you're finished with the transaction, put away your card, receipt, and cash immediately. Wait to count your money until you leave the ATM and are in a secure, locked place, such as your car or home.
  
• When using a walk-up ATM, be sure to shield the screen and keyboard with your body while making the transaction. Don't allow anyone to watch you enter your PIN number.
  
• When using a drive-up ATM, make sure all the windows except the driver's are up and all doors are locked. Keep your engine going, and be on the lookout for any loiterers.
  
• If you believe you're being followed, go to a well-lighted, crowded area, and call the police.

To protect your account:

• Protect your ATM card like you would cash, credit cards, or other valuables. Keep your PIN number private; don't share it with friends, family, or co-workers. Never write your PIN number on your card or keep it in your wallet. Memorize it instead.
  
• Never give your PIN number to anyone on the phone, even if the person says he's from your bank or is a police officer.
  
• Report a stolen or lost card or PIN to your bank immediately.
  
• Be sure to take your transaction receipt with you. Important account information may be printed on the receipt, so don't leave it in or near the machine. Report any suspicious or unauthorized transactions immediately.
  

ATMs have proven to be an invaluable part of our busy lifestyles. As with many activities, being aware of your surroundings and following these safety tips will keep you shopping 'til you drop. TPW