ATMs are a great convenience and, although robberies at ATMs are rare, you should still use caution to ensure your safety. These safety tips can help keep you and your funds protected:

• Stay alert — Always pay close attention to the ATM and its surroundings. Try to use an ATM in a well-lit open area. If the ATM is housed in an enclosed area, shut the entry door completely behind you. If you drive up to an ATM, keep your car doors locked and an eye on your surroundings.
• Protect your PIN — Memorize your Personal Identification Number (PIN), don't write it on your card or leave it in your wallet or purse. Do not allow people to look over your shoulder as you enter your PIN. Never provide your PIN to anyone over the telephone, even if a caller identifies him/herself as a bank employee or police officer. A Bank of Utica employee will never ask you for your PIN.
• Protect your Cash — If you want to count your cash, do it at the ATM, and place it in your wallet or purse before stepping away. Be sure you have your card and receipt before leaving the ATM. Avoid making large withdrawals. If you think you're being followed as you leave, go to a public area near other people and, if necessary, call the police.
• Save your Receipts — Your ATM receipts provide a record of your transactions which can help you reconcile your checking account. If you notice any discrepancies on your statement, contact us as soon as possible. Leaving your receipt at the ATM can also let other people know how much money you have withdrawn.

Notify us immediately if your ATM card or PIN is lost or stolen. You can call our Checking Account Department during business hours at (315) 797-2761 or toll free at (800) 442-1028. At any time, 24 hours a day, even when the bank is closed, you can report your card missing at (800) 472-3272.