1. Be aware of the surroundings when using an automated teller machine (ATM), particularly during the hours of darkness.

2. Be accompanied by another person when using an ATM during the hours of darkness.

3. Refrain from displaying cash. Place cash in a pocket as soon as a transaction is completed and count cash in the safety of a locked enclosure such as a car or home.

4. Use another ATM or return at a later time if anything suspicious is noticed when using or considering using an ATM.

5. Report all crimes immediately to the operator of the ATM or to local law enforcement officials.

6. Know exactly what you are going to do before you leave your car and approach the ATM. Have your card ready, know your Personal Identification Number (PIN) and how much cash you want to withdraw.

7. Cover your transaction with your body by blocking the keyboard from view. By doing this, you will prevent someone from learning your PIN.

8. Always keep your PIN a secret and nowhere near your card. Never give the number to anyone or write it down anywhere. Memorize it or use a secret code if you must write it down.

9. Never let anyone use your card or PIN. Law enforcement officers or financial officials will never ask for these items.

10. Notify us immediately if your ATM card or PIN is lost or stolen at (618)523-4202 or (800)383-8000.