EURweb |
THE BRIDGE: Top Ten ATM Violations
*I suppose when ATMs first came into use, there was a great deal of confusion and poor behavior because the technology was new. But even though ATMs have been around for more than twenty-five years, some grown people act like ATM behavior is a mysterious thing.
ATM behavior should be common sense based on common courtesy. That common sense and common courtesy should provide for respect of other people's privacy while enhancing the safety of everyone.
However, since neither sense nor courtesy are common, many people violate good ATM behavior every day.
In another Black Top Ten List, I’d like to present some ATM violations that people should take a look at.
Maybe one or more applies to you.
Some of the items on the list refer to violations committed by the actual machine itself.
Top Ten ATM Violations:
1. Standing too close to the person at the ATM.
When someone is in the process of a transaction, they don't want you standing all up on them--that's why PINs are private. The next person in line should remain at least five feet from the machine while waiting.
2. Grabbing a deposit envelope while someone is at the machine.
It's understandable that you want to have an envelope to prepare your transaction before getting to the ATM, but if there is someone already there, it is rude to move in close to them to grab an envelope. You may startle them and get smacked up.
3. Asking someone else for instructions.
If you're not certain how the ATM works, or if there is a problem, make a report to your bank. Not only should you not hold up the line by asking questions, but you really don't want anyone to help you because they may possibly jack you for your PIN, your card and your money.
4. Trying your PIN five or six times.
If it didn't work the first or second time, either you don't remember it, or there is no money in your account.
5. Talking to the person who is at the ATM.
Making small talk may be acceptable in the elevator or on the bus, but it's not okay when someone is handling private banking activities.
6. Talking on the cell phone.
If you can talk on your cell while making your transaction, fine. But if you are delaying things unnecessarily, ask your caller to hold and finish your time at the ATM. It will keep you from holding up the line and keep your focus on remaining aware of your surroundings.
7. Counting your money while you walk away from the machine.
Please count your money at the ATM and then place it in your pocket or purse with your ATM card. If you've taken more than $20 out, someone may be waiting to snatch it from you. Don't tempt fate.
8. Using the ATM at night.
Even if you think the area is "safe," it's never a good idea to use an ATM at night, unless it's inside of a store.
9. Having the ATM print your name across the screen.
Since ATM activities are supposed to be private, it’s a clear violation when the machine prints your name across the screen.
10. Loud buttons.
ATM activities are supposed to be discreet, but when the buttons are loud as hell, they literally call attention to the transaction you are making.
ATM transactions should be taken seriously. There is far more to lose aside from the maximum $300 cash per day. Some cards have a $500 cash limit and nearly all ATM cards are now Debit Cards with a MasterCard or Visa logo, which means that if compromised, your account could be cleaned out in less than a day.
Darryl James is an award-winning author who is now a filmmaker. His first mini-movie, “Crack,” was released in March of this year. James’ latest book, “Bridging The Black Gender Gap,” is the basis of his lectures and seminars. Previous installments of this column can now be viewed at www.bridgecolumn.com. James can be reached at djames@theblackgendergap.com.
.jpg)
