ATM Safety 101

  • Observe your surroundings before using an ATM. If the machine is obstructed from view or poorly lit, visit another ATM.
  • Shield the screen and keyboard. This way anyone waiting to use the ATM cannot see you enter your PIN or transaction amount.
  • Put your cash, card and receipt away quickly. Count your money later, and always keep your receipt.
  • If you see anyone or anything suspicious, cancel your transaction and leave quickly.
  • If anyone follows you after making a transaction, go to a crowded, well-lit area and call the police.
  • When using an enclosed ATM that requires your card to open the door, avoid letting strangers follow you inside.
  • When using a drive-up ATM, make sure all passenger car doors are locked and windows are up.
  • Do not leave your car unlocked or engine running when you get out to use an ATM.
  • While many ATMs are available 24 hours a day, some may be open only during local business hours. To be on the safe side, plan your withdrawals ahead of time.
  • Check with your financial institution to determine what the daily withdrawal limit is for your account.

Protecting your card

  • Keep your card in a safe place to avoid damage or theft.
  • Memorize your Personal Identification Number (PIN). Never write the PIN down on anything in your wallet or on the card.
  • When selecting a PIN, avoid numbers and letters that relate to your personal information. For example, don't use your initials, birthday, telephone or Social Security number. If you have such a number, contact your bank and get a new PIN issued.
  • Immediately report a lost or stolen card to your financial institution.
    • To report your lost CNB Debit Card, please call CNB at 800-530-2265.
  • To help guard against fraud, keep your ATM receipts until you check them against your monthly statement.
  • Use the SecurLOCK™ Equip app to manage your CNB Debit Card.
    • With the SecurLOCK™ Equip app you can:
      • Turn your debit card on and off
      • View transactions
      • Limit where the card can be used (including ATMs)
      • Receive transaction alerts, and more!

Tips when traveling abroad

  • International ATMs may save you money. Withdrawals are provided in local currency, but are debited from your account in U.S. dollars based on an exchange rate.
  • All Mastercard®/Maestro®/Cirrus® ATMs feature easy-to-read instructions in English and the local language.
  • Have your card out and ready to use.
  • Some international ATMs are available only during normal business hours. Hours vary from country to country.
  • Most international ATMs do not permit transactions involving multiple accounts. Most likely, your transaction will be routed to your primary account.
  • Four-digit numeric PINs are standard in most countries.
  • Before you travel, notify your bank that you will be traveling abroad.
    • CNB customers can submit travel notifications in Online Banking.
      1. Login to Online Banking using the "Login" button above
      2. Go to the "Additional Services" menu
      3. Click the "Travel Notification" link
      4. Completely fill out and submit the Travel Notification form


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