ATMs have become commonplace for the American public. Rather than having to visit the bank branch during business hours, millions of users visit their local ATM at all times of the day and night. This is why it's important for credit unions to ensure they're providing the safest environment for their customers. Here are a few tips for credit unions and businesses to take into account when installing ATMs:
Credit unions already have an advantage when it comes to safety - according to the News-Herald, the chance of ATM theft is 317 percent higher at ATMs in locations other than financial institutions. It's a good idea to put the ATM in the most heavily trafficked area, rather than in a desolate corner of the parking lot. Since so many ATMs are modern and streamlined, installing one on the front of your credit union's bank branch will not only be convenient for your members, but it will also complement the building's design.
If your credit union has a mobile app or an interactive website, be sure give your members an option to freeze their account activity until Monday morning if you are unable to offer help in person or over the phone during non-business hours. Even if the credit union can't begin to get the wheels turning on getting your member's money back, they should have the option to ensure no more money gets drained from their account. With a Cummins Allison ATM, you'll have the opportunity to choose your features at the time of purchase while being able to upgrade to Windows 7 or EMV software when the time is right.
Communicating basic safety tips is one of the easiest ways to ensure your members have positive experiences at your ATMs. For example, when you mail personal identification numbers to your members, include a reminder that they should never write their PIN down to keep in their wallet, or even worse - right on their card! If your members choose their own PIN, instruct them not to choose a combination of numbers that could be found in their wallet if it was stolen or lost. For example, variations of the birthday or address found on their ID will be a thief's first guess when trying to use the card at an ATM.
January 6, 2017