skip to content
Personal Login Business Login
Locations & Hours

Card Compromise FAQ

April 2019 Card Compromise

On April 24, 2019, we confirmed that a limited number of our ATMs were the target of fraudulent activity that resulted in a card compromise. This appears to be a regional incident, as other ATMs in Central PA have been confirmed targets.

Small devices called skimmers, are used by criminals to obtain debit card information from a customer unknowingly. 

Here are a few Frequently Asked Questions that we hope help ease your concerns:
Q: What is a skimmer?
A: A skimmer is a plastic device attached to ATMs, gas pumps and other types of payment terminals to capture and record data from the magnetic strip on the back of your credit or debit card. Skimmers can be challenging to detect, as they often resemble another layer of plastic surrounding the card slot of the terminal.

Q: What is a shimmer?
A: A shimmer is much smaller than a skimmer and is inserted inside the ATM or sales terminal. Shimmers scan the microchip on your card and record information such as account numbers. Shimmers can be installed quickly, discretely and are virtually undetectable.

Q: Why did Pennian Bank close cards affected by this compromise?
A: Pennian Bank received a list of cards that were potentially compromised by this incident. The decision was made to close cards immediately for the customers’ protection, as this fraud event moved quickly.

Q: How will I be notified if my card is closed?
A: Pennian Bank staff is working on making personal phone calls to each person affected, as well as sending out letters. It is imperative that customers keep their information updated, so that they can be contacted in events such as this. Correct email and phone numbers are crucial.

Q: Will I get my money back?
A: Yes. All customers involved in this compromise will receive the full amount back to their account.

Q: How long will it take to get my money back?
A: Staff is working diligently to credit affected accounts within 2 business days.

Q: If my card was closed, how long will it be until I get a new one?
A: New cards should be received within 5-7 business days. However, because of the volume of this incident, it may take a little longer.

Q: What if this fraudulent activity overdraws my account? Will I have to pay a fee?
A: All overdraft fees on accounts affected by the compromise will be waived.

Q: Was it only Pennian Bank affected by this incident?
A: This appears to be a regional incident that involved other credit unions and banks in Central PA.

Q: How can I look for skimmers and shimmers in the future?
A: Although both are challenging to detect, there are some things you can do to protect yourself from these devices.

Warning signs for skimmers may include, cracked plastic, chipped paint and loose equipment. Shaking the card slot on the terminal can help to detect a skimmer. If the slot is loose, it’s possible a skimmer may have been installed.
Shimmers are undetectable at a glance, since they are located within the machine, however look for a card that is unusually slow during the transaction or resists ejecting from the card slot.