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 also 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 in 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!