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LMFCU ATM Security Notice

LM FEDERAL CREDIT UNION - ATM Security Update
July 31, 2023 8:40 pm

Last Friday afternoon, on July 28th, LMFCU confirmed that our drive-thru ATM had a skimming device fraudulently installed on the ATM earlier in July. We are in the process of working directly with members impacted by this incident.  

We have identified all LMFCU cardholders who used our ATM during this incident. Those cards have been deactivated and replacement cards are been shipped.  A very limited number of members experienced unauthorized ATM cash machine withdrawals at area ATM’s, almost all for $100 or less.  The skimmed information was used only for fraudulent ATM withdrawals, not for any type of merchant purchases (in-person, online or by telephone).

We have worked with our ATM vendor to add additional anti-skimming protection to our ATM. That work was completed today, Monday the 31st.  This additional work will help block possible future fraud and ensure safe use of the LMFCU ATM. 

Due to the impact of this ATM incident, we have also adopted stronger ATM transaction security measures. These measures may cause declines when using local ATM’s when the ATM is unable to authorize the transaction using the special chip imbedded in all LMFCU Visa check cards. The card is then read using the card’s magnetic strip. These transactions are now limited to less than $50.00.

For assistance, further questions, if you suspect ATM skimming or if you have been the victim of ATM skimming at, contact us right away.

What information was accessed; the data on the card magnetic strip and your card PIN number.  The magnetic strip included your name, card number and the card expiration date. 

What information was NOT accessed; the three-digit card security code on the back or your card, your LMFCU account number, your account balances, social security number, birthdate, phone numbers, your street or email addresses or any other personal information.

What is ATM Skimming? 
ATM skimming is a type of fraud that occurs when a terminal has been compromised by a skimming device or skimmer. A skimmer is a device that contains a card reader that can be disguised to look like part of the card terminal. Fraudsters place a small device “skimmer” on or in a card reader that collects card numbers and PIN codes, which are then replicated into counterfeit cards. ATM skimming fraud is on the rise, and we want our members to be aware what to look for at ATMs, gas pumps, and anywhere a debit or credit card is used.

How to Spot ATM Skimming
Help protect your financial information by being on the lookout for the following:

  • Skimming Overlay Devices: These devices are placed over a card slot. When a card is inserted into the slot, the device records the card’s magnetic stripe data.
  • Deep Insert/Shimming Technology: Thieves install a thin, card-size device with a microchip into the card slot. This device, which isn’t visible from the outside of the ATM or gas pump, steals information that allows the thief to clone your card. Sometimes fraudsters must file the card slot to insert these, so there may be debris or the card slot may appear altered.
  • Keypad Overlays: These devices are placed over a keypad and can capture PINs as they’re entered.
  • Tiny Cameras: Cameras can be used in conjunction with skimming devices. The camera is placed in a location on the ATM or gas pump in order to record the user entering his or her PIN. Many skimming devices transmit information back to fraudsters using Bluetooth technology. However, some crooks could also be watching you enter your PIN with binoculars or by looking over your shoulder.

Below are some tips to help you avoid becoming a victim of ATM terminal fraud:

  • Always inspect the ATM, gas pump, or credit card readers before using them. Be suspicious if you see anything loose, crooked, or damaged, or if you notice scratches or adhesive/tape residue.
  • When entering your PIN, block the keypad with your other hand to prevent possible hidden cameras from recording your number.
  • If possible, use an ATM at an inside location (these tend to be less accessible for criminals to install skimmers).
  • Be careful of ATMs in tourist areas or gas stations. They are a popular target of skimmers.
  • If your card is not returned after the transaction or after hitting “cancel,” immediately contact your credit union!
  • If you notice anyone acting suspiciously around an ATM (loitering, watching people use it, messing with parts, etc.), please inform the institution immediately.

Additional Skimming Information from the FBI

Please, never provide personal information in response to phone calls or SMS texts.  All login credentials, PINs, and other security codes should not be shared with anyone. Credit Union staff will not ask for this information.

CardNav Mobile Card Controls App:  We strongly recommend that you download and activate our CardNav mobile app to your smart phone. CardNav will provide you with real-time alerts any time your Visa check card is used. It also gives you the ability to freeze your card if a suspicious or fraudulent transaction is posted and to place limits on the use of your card.

Questions?  Contact us at 800-410-0501. We take pride in keeping your money safe! Thank you!