Automated teller machines allow you to withdraw cash and make deposits without having to talk to a bank teller or write a check. You can also use a debit card to pay bills, buy groceries and buy other things. The transaction is immediate: the money is electronically transferred between your account and the recipient's account.
Guard your debit card and your personal identification number (PIN) with care since the card and the PIN can give others direct access to your bank account.
Do not write your PIN any place where it can be observed or stolen. If you are able to choose your own PIN, pick a number you can easily remember but is not obvious. Do not choose your social security number, birth date or telephone number.
Never walk away from an ATM machine without either completing or canceling your transaction.
Never allow another person to have access to your card or PIN.
Limit the funds that are accessible with your ATM card.
If your debit card is lost or stolen, federal law gives you some protection against unauthorized use. You need to immediately notify the bank of your loss, since the longer you wait, the greater your liability is for unauthorized withdrawals from your account.
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New Hampshire Department of Justice
33 Capitol Street | Concord, NH | 03301