Be PIN Smart...

Canadians use their debit cards millions of times each day for purchases and cash withdrawals from ATMs.  While Interac shared services are among the most secure in the world, debit card fraud can occur.  Interac Association and its members continue to work together to protect cardholders from debit card fraud. 

Cardholders can keep their money safe by protecting their debit cards and Personal Identification Number (PIN) and by following these steps:

1. Use your hand, body or other blocking method such as a piece of paper or envelope to shield your PIN when you are conducting transactions at an ATM or at the point-of-sale.
2. Never let your debit card out of your sight when conducting a transaction at the point-of-sale. 
3. Regularly check your statements and balances.
4. If your debit card is lost, stolen or retained by an ATM, notify Prairie Centre as soon as you become aware of the problem.
5. Your debit card and PIN are the keys to your account(s).  Never disclose your PIN to anyone or you could be liable for losses.  You are the only person who should know it.
6. Memorize your PIN.
7. When selecting your PIN, never use obvious information such as birthdates or telephone numbers, etc.
8. Be aware of any changes regarding the look of the device you are using.  Has it changed in any manner that might indicate a skimming device is attached? Report any changes to your credit union or owner of the device.
9. Only conduct transactions when and where you feel secure.
10. In a proven case of fraud, victims are protected by the Canadian Code of Practice for Debit Card Services and will not suffer any financial losses.  The code is available on Industry Canada's website.