How to protect yourself from ATM skimming

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How To Spot ATM Skimming Devices

MEMPHIS, Tenn. (WREG) -- At first glance, the shoppers using a self checkout terminal inside a Kentucky Walmart hardly look suspicious.

Then one man shields the other as he pulled out a skimming device and popped it into place.

SEE ALSO: Credit card skimmer thefts at Wal-Mart could've been easily avoided

The operation took just two seconds, and they ultimately made off with $20,000 from at least 38 victims.

According to reports, ATM skimming has increased 546% from 2014 to 2015.

With criminals now turning to self-check out terminals to steal consumer data.

At a Miami convenience store, a skimmer was caught on camera placing one on top of the credit card scanner.

It was all done while the employee's back was turned.

Michael Seremetis is with the Secret Service.

"They download the information and put it on a duplicate card. They're able to use it for any type of fraudulent purchases."

Matt Bretzius used an ATM inside an Atlantic City casino.

The very next morning, his bank notified him that his card was being used to shop in Canada.

"It doesn't feel like it should be my responsibility to have to always test the security of like where I'm taking my money from."

With the rollout of chip-enabled credit cards, skimming rates are expected to decline, but as much as 30% of credit cardholders have cards that don't have that chip.

Only about 20% of card terminals are compatible.

How can you protect yourself?

The experts said to cover the keypad when you enter your pin code because sometimes the thieves will be using cameras to capture that information.

RELATED: Learn more about chip credit cards with smart chips:

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How to protect yourself from ATM skimming
BERLIN, GERMANY - DECEMBER 10: Memory chip on a credit card, master card on December 10, 2014 in Berlin, Germany. (Photo by Thomas Trutschel/Photothek via Getty Images)
A customer enters their pin number as they make a chip and pin payment via a Verifone Systems Inc. credit card payment device at a restaurant in London, U.K., on Friday, May 22, 2015. Credit and debit cards that can be used by tapping the reader are gaining users, and mobile apps are set to further boost the popularity of contactless paying. Photographer: Simon Dawson/Bloomberg via Getty Images
An employee demonstrates the use of an iZettle chip and pin reader mobile payment device at the iZettle AB headquarters in Stockholm, Sweden, on Friday, Aug. 28, 2015. Swedish payments startup iZettle AB, a rival to Twitter Inc.founder Jack Dorsey's Square Inc., raised 60 million euros ($67 million) to expand in Europe and fund a plan to offer merchants cash advances on future card sales. Photographer: Johan Jeppsson/Bloomberg via Getty Images
BERLIN, GERMANY - DECEMBER 10: Memory chip on an EC card on December 10, 2014 in Berlin, Germany. (Photo by Thomas Trutschel/Photothek via Getty Images)
Service Manager Morgan Mallory holds a Rail table side credit card processing device at Tableau, a Dickie Brennan & Co. restaurant, in New Orleans, Monday, June 15, 2015. Dickie Brennan & Co., which operates four New Orleans restaurants, expects to pay more than $25,000 to replace card readers and software once chip cards are phased in and magnetic stripe cards, which are easier for thieves to copy, are phased out. (AP Photo/Gerald Herbert)
Patron Jake Kratz, of Philadelphia, pays his tab with the Rail table side credit card processing device at Tableau, a Dickie Brennan & Co. restaurant, in New Orleans, Monday, June 15, 2015. Dickie Brennan & Co., which operates four New Orleans restaurants, expects to pay more than $25,000 to replace card readers and software once chip cards are phased in and magnetic stripe cards, which are easier for thieves to copy, are phased out. (AP Photo/Gerald Herbert)
FILE - In this Nov. 18, 2009, file photo, a MasterCard credit card with a computer chip is posed for a photo in Gelsenkirchen, Germany. By autumn 2015, millions of Americans will switch to credit cards with a computer chip instead of a magnetic strip _ 50-year-old technology that lingers on the back of U.S. cards and is easily copied by thieves, leaving people vulnerable to fraud. (AP Photo/Martin Meissner, File)
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