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Safety Tips for ATM and Debit Cards

To report a lost or stolen ATM/Debit Card during regular banking hours call (217) 754-3373 or after regular banking hours call 1-800-383-8000.

Using your ATM or debit card is one of the safest ways to get cash or make purchases.  Just follow these simple safety rules.  Make them a habit.  Teach new cardholders in your family the same procedures.

Approach With Caution

a. Avoid facilities in dark or remote places.  If you see people lurking around the ATM, or anything else that makes you uncomfortable, find another ATM and report the situation to the police.  Whenever possible, take another person with you.

b. At a drive-up facility, keep your doors locked and all passenger windows closed.

c. Remove your cash, receipt and card after every transaction.  If you make a withdrawal, pocket cash immediately.  

Be Efficient

a. Have your card ready when you approach an ATM.  Seal checks or cash in an envelope.  It's also smart to endorse checks with the restriction "For Deposit Only."

b. Block others' view.  Always stand between the terminal and any person who is waiting, or cup your hand over the keypad as you enter your personal identification number (PIN).

Prevent Fraud

You can help prevent fraudulent activity on your account by remembering these guidelines:

  • Memorize your PIN.  Don't tell anyone your PIN or account number and never loan anyone your card.  Never write your PIN on your card or anything you carry with or near your card.
  • Promptly report any lost or stolen Debit Card (217)754-3373 during banking hours and 1-800-383-8000 after hours.
  • Do not lend your Debit Card to anyone.
  • Report lost or stolen cards immediately.  You can be liable for activity on your card if you do not report it as lost or stolen.
  • Never give your PIN over the phone.  Be especially cautious about information you discuss when using cellular phones.
  • Know who you are talking to.  Never give unsolicited callers personal information and account numbers over the phone.

Take Care of Your Card

a. Treat your card as if it were cash or a credit card.  Protect it by not exposing the magnetic stripe to other magnetic objects, which can deactivate your card.

b. Record and file the name of your card's issuer and the necessary phone numbers for reporting its loss or theft.