How to Use ATMs and Write Checks Safely
Need cash, want to deposit money, or have to pay someone by check? This guide shows you the safest, simplest ways to use ATMs and write checks—so you can access your money, avoid fraud, and keep your finances secure.
How to Use ATMs and Write Checks Safely: Step-by-Step
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Inspect the ATM Before Use
Check for unusual parts, loose card slots, or cameras. If anything looks off, find another machine. -
Cover Your PIN and Be Aware of Your Surroundings
Use your hand or body to shield your PIN and stay alert for people standing too close. -
Use ATMs in Well-Lit, Secure Locations
Prefer ATMs at bank branches or in busy, well-lit areas—especially at night. -
Keep Your Card and Receipts Secure
Take your card and receipt with you; never leave them behind. -
Write Checks With Permanent Ink
Fill out every line, include the payee’s name, amount, and signature, and write clearly to avoid alterations. -
Avoid Signing Blank Checks
Only sign a check after you’ve filled in all the details to protect against fraud. -
Monitor Your Account for Unauthorized Activity
Regularly review statements for suspicious ATM withdrawals or check payments and report issues immediately.
What to Expect When Using ATMs and Writing Checks
- ATMs provide fast, convenient access to your money: Withdraw cash, deposit checks, and check balances 24/7.
- Modern ATMs are secure, but caution is still important: Cover your PIN and watch for tampering to prevent theft.
- Writing checks is safe if done carefully: Use permanent ink, fill out all fields, and avoid leaving blank spaces.
- Lost or stolen cards can be replaced quickly: Report any loss or suspicious activity to your bank right away.
- Regular account monitoring keeps you protected: Reviewing your statements helps spot fraud or errors early.
Pro Tips & Common Mistakes to Avoid
- Use bank-owned ATMs when possible: They’re typically safer and less likely to have skimmers than stand-alone machines.
- Memorize your PIN—never write it on your card: Keep it private and secure to prevent unauthorized use.
- Fill out every part of your check: Never leave payee, amount, or signature lines blank to prevent fraud.
- Keep your checkbook and ATM card in separate places: If one is lost or stolen, your accounts are better protected.
- Don’t share your card or checks with others: Even friends or family shouldn’t have access to your financial tools.
Safety First: Tonya Avoids ATM and Check Fraud
Tonya, a 54-year-old home health aide, needed to cash her paycheck and pay rent each month. She often used ATMs late at night and wrote checks to her landlord, but after hearing about a neighbor’s stolen card, she wanted to be more careful.
Tonya started using only her bank’s indoor ATM during business hours, shielded her PIN with her hand, and quickly grabbed her card and receipt after each transaction. When writing rent checks, she used blue ink, filled out every line—including the memo—and drew a line through any unused space. She also checked her balance online after each rent payment to make sure it was cashed only by her landlord.
One afternoon, she noticed an unfamiliar ATM withdrawal on her account. Tonya reported it right away, and the bank restored her funds and issued a new card. Thanks to her vigilance, no further fraud occurred.
The result? Tonya feels safer, and her extra care gives her peace of mind every time she accesses or spends her money.
Frequently Asked Questions
How can I tell if an ATM is safe to use?
What should I do if my ATM card is lost or stolen?
How can I avoid mistakes when writing checks?
What happens if someone alters my check?
Is it safe to deposit checks at an ATM?
Ready to Bank Safely and Confidently?
Money Fit’s certified counselors can answer your questions about using ATMs, writing checks, or spotting fraud—so you can handle your money with confidence and security.
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