Avoid the ATM Distraction Scam

The San Joaquin County District Attorney's Office is seeking to warn consumers about the growing threat of “Shoulder Surfing” robberies in the area. Criminals are increasingly targeting individuals who use ATMs, watching for PIN entries, and then using clever distractions to separate victims from their wallets or purses. This scam is quick, subtle, and often overlooked until it is too late.

How the Scam Works

The scheme is simple, but highly effective. A suspect positions themselves near an ATM and watches a customer enter their PIN. By casually observing from behind or from a slight angle, the thief memorizes the four digits.

Once the victim leaves the ATM, the suspect follows them to their vehicle or to another vulnerable location. At that moment, an accomplice or the same individual approaches the victim with a distraction. A common tactic is to claim that the victim has dropped money. When the victim reaches down or turns to look, the thief grabs the purse or wallet. With the PIN already captured, the suspects use the stolen ATM card to withdraw funds immediately.

These criminals rely on the element of surprise; many victims do not realize their card or personal items are missing until much later.

What to Watch Out For

Be aware of anyone standing too close while you enter your PIN. Even someone who appears to be waiting patiently might be trying to observe the keypad. Watch for unusual behavior, such as someone lingering near the ATM without making a transaction.

Be cautious if a stranger approaches you right after your transaction. Common distractions include telling you that you dropped cash, offering assistance you did not request, or pointing to an item on the ground. If you feel rushed, confused, or pressured to respond, treat the interaction as suspicious.

If your card feels different, looks tampered with, or you cannot account for where it is after a distraction, contact your bank immediately. Criminals often replace your card with a fake one during these scams.

How to Defend Yourself

• You can significantly reduce your risk with a few simple precautions:
• Cover the keypad with your hand or wallet while entering your PIN. This prevents others from seeing the digits, even from a distance.
• Use ATMs located inside banks, stores, or well-lit areas. Indoor or heavily monitored machines are far less appealing to criminals.
• Secure your card and cash before leaving the ATM. Do not walk away while still sorting your belongings.
• If someone approaches you right after a withdrawal, stay alert. It is acceptable to ignore the person and keep moving toward a safe, populated area.
• Do not pick up money offered to you, and do not give anyone access to your bag or personal space.
• Monitor your bank accounts regularly and report unauthorized transactions immediately. Fast reporting increases the chance of recovery and helps law enforcement identify patterns.

Staying alert at ATMs is one of the simplest ways to protect yourself from financial loss and personal risk. Criminals who use distraction techniques depend on moments of inattention, but informed consumers are far more difficult targets. If you believe you have been approached in a suspicious manner or have fallen victim to this scam, report the incident to your financial institution and local law enforcement immediately. The San Joaquin County District Attorney's Office remains committed to safeguarding the community and encourages everyone to share this information with family and friends who may be vulnerable to these tactics.