When you choose Associated School Employees Credit Union to finance your auto or home loan, you are keeping your money local and in your community. We are proud to support our local communities in Mahoning, Trumbull and Columbiana counties. With the support of our members, we contributed more than $5,200 in 2016 to local community organizations and schools. When you finance your loans with ASECU, know that you are helping people in all of the great communities and schools that we serve.
Buying local is only half the equation. Finance local. Support ASECU - your local financial institution.
- Inspect the ATM, gas pump, or credit card reader before using it. 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 (less access for criminals to install skimmers).
- Be careful of ATMs in tourist areas, they are a popular target of skimmers.
- If your card isn't returned after the transaction or after hitting "cancel," immediately contact the financial institution that issued the card.
How Skimming Works
Skimming is an illegal activity that involves the installation of a device on the ATM. The devices planted on ATMs are usually undetectable by users-the makers of this equipment have become very adept at creating them, often from plastic or plaster, so that they blend right into the ATM's facade. The specific device used is often a realistic-looking card reader placed over the factory-installed card reader. Consumers insert their ATM card into the phony reader, and their account info is swiped and stored on a small attached laptop or cell phone or sent wirelessly to the criminals waiting nearby.
In addition, skimming typically involves the use of a hidden camera, installed on or near an ATM, to record customers' entry of their PINs into the ATM's keypad. We have also seen instances where, instead of a hidden camera, criminals attach a phony keypad on top of the real keypad which records every keystroke as customers punch in their PINs.
Skimming devices are installed for short periods of time-usually just a few hours-so they're often attached to an ATM by nothing more than double-sided tape. They are then removed by the criminals, who download the stolen account information and encode it onto blank cards. The cards are used to make withdrawals from victims' accounts at other ATMs.
One last note: ATMs aren't the only target of skimmers-we've also seen it at gas pumps and other point-of-sale locations where customers swipe their cards and enter their PIN. (See sidebar for tips on how to avoid being victimized by skimming.)
If you believe your card has been skimmed or if you see anything suspicious on an ATM, please contact us at (330)792-4000.
- May 29th, 2017 (TBD): Memorial Day - CLOSED
- July 4th, 2017: Independence Day - CLOSED
- September 4th, 2017: Labor Day - CLOSED
- October 9th, 2017: Columbus Day - CLOSED
- November 23rd, 2017: Thanksgiving Day - CLOSED
- December 25th, 2017: Christmas Day Observed - CLOSED