The most important key to using your ATM card safely is to be observant and look around for any suspicious persons or activity near the ATM machine. If you see anything that looks suspicious, go to another machine or return later.
It is a good idea to have your ATM card in your hand and ready to use as you approach the ATM machine so that you do not have to take extra time at the machine to take the card out of your wallet or purse.
Use your body or hand or an object to shield the ATM keyboard when you enter your PIN. Do not give someone else the opportunity to see the number that you are entering.
Be sure to take your receipt or transaction records with you when you leave.
Put your cash away immediately in your pocket, wallet or purse. Do not display or count it at the machine. You can always count it later.
Lock your car if you have to get out to use the ATM machine. If you use a drive-up ATM machine, lock all doors and be sure the passenger-side windows are rolled up.
Using an ATM at Night
Source: American Bankers Association