1. Financial Institutions receive and monitor Industry Association reports and alert their members/customers if there is any potential cause for concern, and take steps to ensure that their cards are replaced to prevent any unauthorized access.
   
2. Financial Institutions monitor and upgrade ATMs as required with the latest security methods to protect cardholders from debit-card skimming.
   
3. Financial Institutions work closely with the police to assist in their investigations of suspected locations/operations.
   
4. Financial Institutions communicate to members the importance of protecting their PIN.

The following are things you should know as a cardholder to prevent debit card fraud from happening to you:

1. It is important to note that both the banking card and Personal Identification Number (PIN) are required to complete both ATM transactions and Point of Sale (POS) transactions at different retailers.
   
2. When a cardholder enters their PIN at an ATM or on a POS device, it is scrambled using encryption technology before it is sent through the network to the cardholder's Financial Institution.
   
3. The PIN number is not contained on the banking card magnetic stripe. Only the cardholder should know their PIN.
   
4. At no time is the PIN ever printed or displayed in any manner.
   
5. No one should ever request you to reveal your PIN, not even the police or your own Financial Institution.
   
6. The only information stored on the magnetic stripe of your banking card is information such as card number, expiry date, and language code, which is required to complete the transaction. Personal information such address, telephone number, bank account number is NOT contained on the card.
   
7. Retailers are not able to collect addresses, credit information, account numbers, or any other personal and confidential information from cardholders using their banking cards at POS terminals.