What to Do If an ATM Takes Your Card
Don't know what to do when an ATM keeps your card? Find clear, actionable steps to navigate this issue and safeguard your financial security.
When an automated teller machine (ATM) retains your card, it can be a moment of immediate concern and frustration. This unexpected event can disrupt your plans and raise questions about the security of your finances. Understanding the proper steps to take can help you manage the situation effectively and safeguard your bank accounts. This guide provides clear, actionable advice to navigate the process, from the moment your card is taken to securing your accounts and obtaining a new card.
Immediate Actions at the ATM
Upon realizing an ATM has retained your card, remain at the machine for a brief period. Sometimes, an ATM may release a card after a short delay, especially if there was a minor system glitch. While waiting, carefully observe the machine for any signs of unusual operation or if anyone is lingering nearby who might have tampered with the device.
Locate any contact information displayed on the ATM, such as a direct phone number or the associated bank branch. Document specific details for your report: the precise location (street address or landmarks), the bank operating the machine, any identifying ATM numbers, and the exact date and time your card was taken. Avoid attempting to re-insert anything or force the card out, as this could damage the machine or your card.
Reporting the Incident
Report the incident to your bank promptly to protect your financial interests, contacting customer service or the fraud department as soon as possible. Many financial institutions offer 24/7 phone support, and some allow reporting through online banking or mobile applications.
When you contact your bank, provide all details gathered at the ATM, including location, date, time, and a description of what occurred. Inform them of any suspicious activity or unusual ATM characteristics. Your bank will likely cancel or block the card immediately to prevent unauthorized transactions. If the ATM belongs to a different bank, report the incident to your primary bank first, as they manage your account and can issue a new card. They may then advise you on whether to also contact the bank that owns the ATM.
Securing Your Accounts and Card Replacement
After reporting the incident, secure your accounts and arrange for a replacement card. Your bank will issue a new card, which usually arrives within five to ten business days. Some banks offer options for expedited delivery or a temporary card that can be picked up at a branch.
Diligently monitor your bank statements and online transaction history for any unauthorized activity. Review all debits and credits to ensure they are legitimate. If you identify any transactions you did not make, dispute them with your bank immediately. Under the Electronic Fund Transfer Act, consumers have 60 days from the statement date to report unauthorized debit card transactions. For credit cards, the Fair Credit Billing Act provides similar protections, often requiring disputes within 30 to 60 days of the statement showing the error.
Consider changing PINs for other cards or accounts if your information might have been compromised, especially if you noticed suspicious devices attached to the ATM. If you suspect your card was taken due to a “skimming” device or other fraudulent equipment, report it to your bank as a potential fraud attempt. Your bank may also advise filing a report with local law enforcement if a crime is suspected.