Safety tips for ATM cards
Choose a personal identification number (PIN) that's not your phone number, home address, or the numbers in your birthday.

• Memorize your PIN and don't write it on anything in your wallet. In a third of all ATM card frauds, the PIN was on the card or in the wallet.
• Never put your PIN on a deposit slip, envelope or postcard.
• Check all ATM receipts against bank statements.
• Never lend your cards to anyone or leave cards or receipts lying around the house.

Timing is everything
If someone steals your ATM card and uses it, you could be responsible for the entire loss, depending on when you reported the theft. If you report the card missing before it's used, some banks will not hold you responsible for unauthorized withdrawals.

Keep checking your statements
Even after you have reported your ATM or credit cards missing, check your statements. If you find any suspicious charges, send a letter to your bank listing each one. Include your account number, date stolen and date reported.

Moving to a new address? Don't forget to call the bank to advise them of your new contact information to avoid delay of account statement delivery. With Citibank, you can conveniently update your information by filling out the "Address Change" box at the back portion of your account statement, and then faxing the same to the bank.