As skimming and ATM fraud continue to be a problem across the United States, credit unions must take all available steps to protect their reputations, and more importantly, the sensitive information of their members. Updating ATMs to be EMV compliant should be at the top of the list. With this October's liability shift at the ATM for MasterCard drawing ever closer, many credit unions are already making strides toward this goal to avoid being targeted by fraudsters looking for easy marks after the deadline. 

If last year's point of sale liability shift teaches us anything, it's that changes of this scope create a significant amount of hassle and headache. However, these pains are just temporary frustrations and can be eased. Credit unions should follow several steps leading up to and following October's liability shift to ensure employees and members alike experience as seamless a transition as possible. They should remain proactive, have patience and keep the big picture in mind.

1.  Be proactive in your preparation.