Technology
How crooks use skimmers, shimmers to steal your money at ATM
Have you ever had your debit card or credit card information stolen from an ATM? If you have, you may have fallen victim to a skimmer. Tiny devices used by fraudsters called “skimmers” can be attached to ATMs and used to steal data off of your debit or credit card magnetic strip.
There’s also an even smaller device called a “shimmer” that can be installed by fraudsters into an ATM that steals data from your credit or debit card chip if you have a newer chip-based card. If you’re worried about falling victim to skimmers and shimmers, your first line of defense is to understand what these things are and how to keep yourself safe.
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Two examples of skimmers (Dubuque Police Department) (Kurt “CyberGuy” Knutsson)
How does a ‘skimmer’ work?
Skimmers are fake card readers that can be installed on top of legitimate card readers and steal data from every person who uses the card reader. These can be found on ATMs, gas pumps and nearly any other card reader device out in the public. Breaking into an ATM is no easy feat, so thieves typically put skimmers on top of the already-existing card reader.
Even more disturbing, though, is that these thieves will also place a hidden camera somewhere near the keypad of the card reader so that they can capture PINs. Some criminals even place false number pads to capture PIN codes, eliminating the need for a hidden camera.
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Example of hidden camera, skimmer and keypad overlay (FBI) (Kurt “CyberGuy” Knutsson)
How to spot a skimmer
Luckily, there are a few tell-tale signs to see if an ATM you are using has been corrupted by thieves with a skimmer. The first step to spotting a skimmer is to pay close attention to the color of the card slot. Typically, on most ATMs, the card slot and ATM will be the same color. If you notice that there’s a bulky, differently-colored card reader, there’s a pretty good chance it’s a skimmer. Skimmers are also installed over the original card reader, so you might notice some dried glue or adhesive around the card reader. Never use a card reader, whether at a gas pump or an ATM, if you suspect a skimmer device has been installed over the original card reader.
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Beyond skimmers, beware of the rise in shimming
Skimming is less prevalent than it used to be, but you still should always inspect the card reader and keypad of an ATM before using it, in case a crook has installed a skimmer on it. This is especially pertinent if you are traveling abroad, where skimmers are frequently used by thieves in major tourist areas. However, as skimmers have declined, a new way to steal card data has become popular, called “shimming.”
Example of shimmer (Royal Canadian Mounted Police) (Kurt “CyberGuy” Knutsson)
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What are shimmers?
Skimmers typically don’t work on chip-based credit and debit cards, called EMV cards, which offer a more robust set of security features, such as double encryption between the chip and the magnetic stripe on the back of your card. As you might expect, however, thieves adapt quickly and have developed a system called “shimmers,” which can be used to steal the data from your chip-protected card.
Shimmers are paper-thin devices with a microchip installed on them that are inserted by thieves into ATMs. You can’t see a shimmer from the outside like you can a skimmer, and once you insert your card into the affected ATM, the shimmer steals your card data off the chip, the same way a skimmer would steal your data from the magnetic stripe.
Example of shimmer (Royal Canadian Mounted Police) (Kurt “CyberGuy” Knutsson)
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How to keep yourself safe from shimmers
Shimmers, as we just discussed, are impossible to see from the outside of an ATM or other pay terminal, but there are still a few easy ways you can keep yourself from crooks using shimmers.
Tip #1 – Avoid non-bank ATMs
ATMs that are found in bars, convenience stores and other public places fall victim to card skimmers and shimmers more frequently due to their lack of security features when compared with bank ATMs. Bank ATMs are always the safest to use.
Tip #2 – Utilize contactless payments
An easy way to keep yourself safe when using pay terminals is to use contactless payment systems, such as Apple Pay, Google Pay, Venmo and PayPal, with your phone instead of inserting your card.
Apple Pay (Apple) (Kurt “CyberGuy” Knutsson)
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Tip #3 – Activate bank alerts on your cards
You can activate mobile alerts on your cards through your bank’s mobile app, which will alert you to any charges being made. This can help keep you safe by quickly identifying any fraudulent charges that need to be canceled.
Bank alert (Bank of America) (Kurt “CyberGuy” Knutsson)
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Kurt’s key takeaways
Even if you do everything right and go over every inch of an ATM, you, unfortunately, can still fall victim to a shimmer. Always remember, if you suspect you’ve been a victim or credit or debit card shimming and skimming, report any fraudulent transactions to your bank immediately. You won’t be held liable, and your money will be returned to your account. Try to avoid using non-bank public ATMs as much as possible, and when possible, opt to use a contactless payment method instead of inserting your card reader into a terminal.
What additional security measures do you think could be implemented to protect consumers from skimmers and shimmers? Let us know by writing us at Cyberguy.com/Contact.
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Technology
Defense secretary Pete Hegseth designates Anthropic a supply chain risk
This week, Anthropic delivered a master class in arrogance and betrayal as well as a textbook case of how not to do business with the United States Government or the Pentagon.
Our position has never wavered and will never waver: the Department of War must have full, unrestricted access to Anthropic’s models for every LAWFUL purpose in defense of the Republic.
Instead, @AnthropicAI and its CEO @DarioAmodei, have chosen duplicity. Cloaked in the sanctimonious rhetoric of “effective altruism,” they have attempted to strong-arm the United States military into submission – a cowardly act of corporate virtue-signaling that places Silicon Valley ideology above American lives.
The Terms of Service of Anthropic’s defective altruism will never outweigh the safety, the readiness, or the lives of American troops on the battlefield.
Their true objective is unmistakable: to seize veto power over the operational decisions of the United States military. That is unacceptable.
As President Trump stated on Truth Social, the Commander-in-Chief and the American people alone will determine the destiny of our armed forces, not unelected tech executives.
Anthropic’s stance is fundamentally incompatible with American principles. Their relationship with the United States Armed Forces and the Federal Government has therefore been permanently altered.
In conjunction with the President’s directive for the Federal Government to cease all use of Anthropic’s technology, I am directing the Department of War to designate Anthropic a Supply-Chain Risk to National Security. Effective immediately, no contractor, supplier, or partner that does business with the United States military may conduct any commercial activity with Anthropic. Anthropic will continue to provide the Department of War its services for a period of no more than six months to allow for a seamless transition to a better and more patriotic service.
America’s warfighters will never be held hostage by the ideological whims of Big Tech. This decision is final.
Technology
What Trump’s ‘ratepayer protection pledge’ means for you
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When you open a chatbot, stream a show or back up photos to the cloud, you are tapping into a vast network of data centers. These facilities power artificial intelligence, search engines and online services we use every day. Now there is a growing debate over who should pay for the electricity those data centers consume.
During President Trump’s State of the Union address this week, he introduced a new initiative called the “ratepayer protection pledge” to shift AI-driven electricity costs away from consumers. The core idea is simple.
Tech companies that run energy-intensive AI data centers should cover the cost of the extra electricity they require rather than passing those costs on to everyday customers through higher utility rates.
It sounds simple. The hard part is what happens next.
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At the State of the Union address Feb. 24, 2026, President Trump unveiled the “ratepayer protection pledge” aimed at shielding consumers from rising electricity costs tied to AI data centers. (Nathan Posner/Anadolu via Getty Images)
Why AI is driving a surge in electricity demand
AI systems require enormous computing power. That computing power requires enormous electricity. Today’s data centers can consume as much power as a small city. As AI tools expand across business, healthcare, finance and consumer apps, energy demand has risen sharply in certain regions.
Utilities have warned that the current grid in many parts of the country was not built for this level of concentrated demand. Upgrading substations, transmission lines and generation capacity costs money. Traditionally, those costs can influence rates paid by homes and small businesses. That is where the pledge comes in.
What the ratepayer protection pledge is designed to do
Under the ratepayer protection pledge, large technology companies would:
- Cover the full cost of additional electricity tied to their data centers
- Build their own on-site power generation to reduce strain on the public grid
Supporters say this approach separates residential energy costs from large-scale AI expansion. In other words, your household bill should not rise simply because a new AI data center opens nearby. So far, Anthropic is the clearest public backer. CyberGuy reached out to Anthropic for a comment on its role in the pledge. A company spokesperson referred us to a tweet from Anthropic Head of External Affairs Sarah Heck.
“American families shouldn’t pick up the tab for AI,” Heck wrote in a post on X. “In support of the White House ratepayer protection pledge, Anthropic has committed to covering 100% of electricity price increases that consumers face from our data centers.”
That makes Anthropic one of the first major AI companies to publicly state it will absorb consumer electricity price increases tied to its data center operations. Other major firms may be close behind. The White House reportedly plans to host Microsoft, Meta and Anthropic in early March to discuss formalizing a broader deal, though attendance and final terms have not been confirmed publicly.
Microsoft also expressed support for the initiative.
“The ratepayer protection pledge is an important step,” Brad Smith, Microsoft vice chair and president, said in a statement to CyberGuy. “We appreciate the administration’s work to ensure that data centers don’t contribute to higher electricity prices for consumers.”
Industry groups also point to companies such as Google and utilities including Duke Energy and Georgia Power as making consumer-focused commitments tied to data center growth. However, enforcement mechanisms and long-term regulatory details remain unclear.
CHINA VS SPACEX IN RACE FOR SPACE AI DATA CENTERS
The White House plans talks with Microsoft, Meta and Anthropic about shifting AI energy costs away from consumers. (Eli Hiller/For The Washington Post via Getty Images)
How this could change the economics of AI
AI infrastructure is already one of the most expensive technology buildouts in history. Companies are investing billions in chips, servers and real estate. If firms must also finance dedicated power plants or pay premium rates for grid upgrades, the cost of running AI systems increases further. That could lead to:
- Slower expansion in some markets
- Greater investment in renewable energy and storage
- More partnerships between tech firms and utilities
Energy strategy may become just as important as computing strategy. For consumers, this shift signals that electricity is now a central part of the AI conversation. AI is no longer only about software. It is also about infrastructure.
The bigger consumer tech picture
AI is becoming embedded in smartphones, search engines, office software and home devices. As adoption grows, so does the hidden infrastructure supporting it. Energy is now part of the conversation around everyday technology. Every AI-generated image, voice command or cloud backup depends on a power-hungry network of servers.
By asking companies to account more directly for their electricity use, policymakers are acknowledging a new reality. The digital world runs on very physical resources. For you, that shift could mean more transparency. It also raises new questions about sustainability, local impact and long-term costs.
ARTIFICIAL INTELLIGENCE HELPS FUEL NEW ENERGY SOURCES
As AI expansion strains the grid, a new proposal would require tech firms to fund their own power needs. (Sameer Al-Doumy/AFP via Getty Images)
What this means for you
If you are a homeowner or renter, the practical question is simple. Will this protect my electric bill? In theory, separating data center energy costs from residential rates could reduce the risk of price spikes tied to AI growth. If companies fund their own generation or grid upgrades, utilities may have less reason to spread those costs among all customers.
That said, utility pricing is complex. It depends on state regulators, long-term planning and local energy markets.
Here is what you can watch for in your area:
- New data center construction announcements
- Utility filings that mention large commercial load growth
- Public service commission decisions on rate adjustments
Even if you rarely use AI tools, your community could feel the effects of a nearby data center. The pledge is intended to keep those large-scale power demands from showing up in your monthly bill.
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Kurt’s key takeaways
The ratepayer protection pledge highlights an important turning point. AI is no longer only about innovation and speed. It is also about energy and accountability. If tech companies truly absorb the cost of their expanding power needs, households may avoid some of the financial strain tied to rapid AI growth. If not, utility bills could become an unexpected front line in the AI era.
As AI tools become part of daily life, how much extra power are you willing to support to keep them running? Let us know by writing to us at Cyberguy.com.
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Technology
Here’s your first look at Kratos in Amazon’s God of War show
Amazon has slowly been teasing out casting details for its live-action adaptation of God of War, and now we have our first look at the show. It’s a single image but a notable one showing protagonist Kratos and his son Atreus. The characters are played by Ryan Hurst and Callum Vinson, respectively, and they look relatively close to their video game counterparts.
There aren’t a lot of other details about the show just yet, but this is Amazon’s official description:
The God of War series storyline follows father and son Kratos and Atreus as they embark on a journey to spread the ashes of their wife and mother, Faye. Through their adventures, Kratos tries to teach his son to be a better god, while Atreus tries to teach his father how to be a better human.
That sounds a lot like the recent soft reboot of the franchise, which started with 2018’s God of War and continued through Ragnarök in 2022. For the Amazon series, Ronald D. Moore, best-known for his work on For All Mankind and Battlestar Galactica, will serve as showrunner. The rest of the cast includes: Mandy Patinkin (Odin), Ed Skrein (Baldur), Max Parker (Heimdall), Ólafur Darri Ólafsson (Thor), Teresa Palmer (Sif), Alastair Duncan (Mimir), Jeff Gulka (Sindri), and Danny Woodburn (Brok).
While production is underway on the God of War series, there’s no word on when it might start streaming.
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