Although many financial transactions now happen online, there are still moments when we need to withdraw actual cash. Whether it’s during travel or simply running errands close to home, seniors may find themselves using ATMs in unfamiliar or exposed environments. Unfortunately, these locations can sometimes attract the wrong kind of attention. Fortunately, with a few simple habits, anyone can make their trip to the ATM safer and more confident.
1. Bring a Second Set of Eyes
Having someone nearby—even if they aren’t standing right next to you—can make a big difference. A spouse, friend, or trusted companion can act as a lookout while you handle your transaction. They don’t need to hover; standing back a few feet while casually observing the area is enough. This creates a wider field of awareness and gives you an extra layer of security, especially in places you’re unfamiliar with. Even just knowing someone has your back can help you stay more relaxed and focused.
2. Use the ATM When It’s Vacant
There’s no need to feel pressured to join a line at an ATM. It might seem like being among others makes the situation safer, but that isn’t always the case. Anyone in that line could have bad intentions, and it becomes harder to identify suspicious behavior in a group. Waiting a few extra minutes until the machine is free allows you to stay more aware of your surroundings and easily spot anyone who approaches. It’s a small trade-off for greater peace of mind.
3. Position Yourself with Your Back to a Wall
If the layout of the ATM allows, try to place yourself with your back to a wall or other solid structure. This gives you a clear view of everything happening in front and to the sides of you. When you’re surrounded by open space, it’s easier for someone to sneak up unnoticed. A wall limits those blind spots. It also reinforces a sense of control over your environment and can reduce the feeling of vulnerability.
4. Keep Looking Around During the Transaction
It’s natural to focus on the screen and buttons during a transaction, but it’s just as important to stay aware of what’s happening around you. Taking a moment to glance behind you or to either side every few seconds can help you notice if someone is approaching or watching too closely. This quick, deliberate habit is easy to develop and adds another layer of protection while you handle your cash.
5. Self-Defense: Rear Elbow Strikes
If a situation does turn dangerous, knowing a few basic self-defense techniques can make a big difference. One of the most useful is the rear elbow strike. It’s a powerful move that doesn’t require much space, making it ideal if someone grabs you from behind while you’re standing at the ATM. There are both high and low variations, and practicing them ahead of time gives you more confidence and quick reaction ability in emergencies.
6. Survey the Area Before Using Drive-Up ATMs
Drive-up ATMs present their own challenges. Before pulling up, take a moment to drive around the building or parking area. This brief check helps you spot anything unusual—like someone lingering in a car or hiding nearby. It also gives you a chance to find your best escape route if things go wrong. Being aware of your environment before you commit to the drive-up lane helps you avoid surprises and make faster decisions if needed.
7. Bring a Passenger When Possible
Having someone in the passenger seat is not just about comfort—it’s also about awareness. While you’re reaching out of your window or leaning toward the ATM, your focus is divided. A second person can keep an eye on what’s happening behind or beside your car. They can help you spot someone walking up or approaching from another direction while you’re focused on your transaction. It’s a simple step that significantly increases your safety.
8. Wait for a Clear Lane
If there’s a line of cars at the ATM, don’t feel rushed to join in right away. Just like walk-up ATMs, the best time to use a drive-up machine is when no one else is around. You have more time and space to complete your transaction without worrying about who might be behind you. Waiting just a few minutes for the area to clear can make you feel far more at ease while handling your finances.
9. Stay Aware During Each Step of the Transaction
It’s easy to become absorbed in what you’re doing—entering your PIN, selecting your withdrawal amount, waiting for the machine to dispense cash. But breaking that process into brief steps with quick looks around in between can help you maintain situational awareness. After entering a few digits or completing one step, pause for a second to check your mirrors or glance over your shoulder. You don’t need to be paranoid—just observant.
10. Consider Learning Self-Defense Programs
For those interested in a deeper level of preparation, programs like Rapid Fighting or Quick Gun Disarm can offer practical skills tailored to ATM-related scenarios. The first teaches how to defend yourself without weapons, while the second focuses on situations involving firearms—especially relevant for those in vehicles. These types of training aren’t about confrontation; they’re about confidence and readiness.
ATM safety doesn’t have to be complicated or stressful. With a few thoughtful strategies, anyone—especially seniors—can feel more secure and in control, whether they’re withdrawing a few dollars around the corner or accessing funds during travel. The key is to stay alert, move with purpose, and trust your instincts.
