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The use of gas pump card skimmers has become prevalent all over the country — even in South Dakota.

However, you can minimize your risk of being a target if you're watchful for common signs that a fuel pump has been compromised. In this article, we'll show you the best ways to avoid having your card skimmed at the gas pump.

Credit card skimmers are devices that criminals attach to ATMs, gas pumps, and any other payment terminals to steal your card's information. Skimmers come in all shapes, sizes and varying degrees of complexity.

A gas pump offers many opportunities for a scammer to try to steal your private financial information and compromise your online safety, and most of us are probably in a hurry when we fill our gas tanks. But if you remain vigilant and learn how to detect gas pump skimmers of all types, you’ll be able to stay safe at the pump.

This lockable door on the gas pump or ATM should be closed and securely fastened; many gas stations take the additional step of placing a tamper-resistant seal over the door. If the tamper-resistant seal is broken, do not use the gas pump, and tell an employee that the pump may not be safe to use.

Source: Ocala (Fla.) Post Website

Try to wiggle the card slot. If it seems loose, or strangely bulkier than the other pumps at the same station, you may want to move along to another terminal. Likewise, if the PIN pad seems obtrusively thick, or if it does not match the pads on other pumps, this is a clear sign that something is amiss.

The skimmer on the left is loose if you wiggle it. The picture on the right is how the pump should look. Source: Kamloops RCMP

Pictured above is an example of a well disguised skimming device. Note how bulky it is. Source: CBS Channel 4, Miami

High-tech data thieves sometimes use tiny cameras to obtain card information as you type it into the PIN pad. Be on the lookout for tiny pinhole cameras, or phony screen shades attached above the screen display that may conceal a hidden camera. Most importantly, if using the PIN pad, always shield your PIN with your hand.

A scammer's camera is cleverly hidden in the gray casing. Always cover your hand when you enter your PIN. Source: WTAQ (Wis.) Radio

Even if you are paying for your gas with a debit card, if possible, run the card as a “credit card” instead. Most financial institutions, including Security National Bank, allow you to do this. Not only does this afford you additional protection because the funds aren't immediately drawn out of your account, it also allows you to avoid entering your PIN entirely. Another way to avoid the PIN pad, if you're still wary of a pump's payment system, is to simply pay for your gas inside.

Thieves often install their skimming devices on the least attended pumps at a gas station, so if possible, choose a pump close to the physical building or the cashier's line of sight. Also, try to fuel up at trusted stations that have cameras installed as an extra security measure.

While certainly not foolproof, a skimmer detection mobile app called "Skimmer Locator" has been developed for iPhones. This app will scan the immediate area for Bluetooth devices that some thieves use to skim your card information. Beware that sometimes these apps will give you “false positives,” especially if you happen to be near wireless headphones or other Bluetooth Low Energy devices.

With the advent of chip-enabled cards, card users have a great way to protect themselves from skimmers. These chip-based cards are by far the safest form of card to use at a payment terminal, but there is still a risk to using one. The steps you’ve just learned about how to spot a credit card skimmer won’t be helpful if a shimmer has been installed.

Card “shimming” is a new technique scammers use to target chip-based credit and debit cards. A “shimmer” is named as such, because it acts like a shim, sitting between the reading device and the chip on the card you insert. Shimmers are much harder to detect than skimmers because they are paper-thin devices that actually sit inside the reader, hidden from plain sight (see below photo). No matter how much you’ve learned about how to spot skimmers at gas pumps, you’d have a hard time spotting a device completely hidden from view.

Although thieves cannot use the stolen chip information to fabricate a new chip card (the technology is too sophisticated), in some instances they could use the chip data to create a “clone” magnetic strip card to use — but only if the bank issuing the chip card hasn’t followed the right procedures. As long as your bank has taken proper precautions and implemented the chip card standard known as EMV (short for Europay, MasterCard and Visa), your chip card will still be safe. This is because the EMV standard adds an additional layer of security that protects against the copying of magnetic stripe data — even from “shimmers.”

At Security National Bank, we follow all procedures to ensure our chip cards are equipped with the necessary EMV protection mechanisms to keep your information secure.

noun. : a French military decoration awarded for gallant action in war.