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Obtaining the PIN is essential, since the criminals can't use the stolen magnetic stripe data without it, Tanase said.Of course, that assumes the attacker is using a camera and not an overlay to obtain your PIN.Even if the cards have a chip, the data will still be on the card's magnetic strip in order to be backwards compatible with systems that won't be able to handle the chip, he told us. The typical ATM skimmer is a device smaller than a deck of cards that fits over the existing card reader.Most of the time, the attackers will also place a hidden camera somewhere in the vicinity with a view of the number pad in order to record personal-identification-numbers, or PINs.If something looks different, such as a different color or material, graphics that aren't aligned correctly, or anything else that doesn't look right, don't use that ATM. If you're at the bank, it's a good idea to quickly take a look at the ATM next to yours and compare them both.If there are any obvious differences, don't use either one, and report the suspicious tampering to your bank.If the keyboard doesn't feel right—too thick, perhaps—then there may be a PIN-snatching overlay, so don't use it.Wiggle Everything Even if you can't see any visual differences, push at everything, Tanase said.

Criminals typically install skimmers on Saturdays or Sundays, and then remove them before the banks reopen on Monday.

Perhaps the scariest part is that some skimmers don't prevent the ATM or credit card reader from functioning properly.

Classic skimming attacks are here to stay, and will likely continue to be a problem even after banks make the shift to EMV chip cards, according to Stefan Tanase, a security researcher at Kaspersky Lab. rollout of EMV cards, some merchants still require customers to use the magstripe.

For example, if one ATM has a flashing card entry to show where you should insert the ATM card and the other ATM has a plain reader slot, you know something is wrong.

Since most skimmers are glued on top of the existing reader, they will obscure the flashing indicator.

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