Over three million consumers a year are now being affected by ATM card fraud resulting in losses of $2.75 billion, according to a report released Tuesday by research firm Gartner. The average loss per person was $900.

Criminals are able to access the bank account and password information through phishing and keystroke attacks on users. Since bank personal identification numbers (PINs) are often the same for both the online banking application and ATM card, a hacker can easily obtain access to a user's ATM account by looking for this information.

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