ATMs Automated teller machines allow you to make deposits and withdrawals without visiting a bank teller.

Lines are usually shorter (or nonexistent), you can access your cash even when the bank itself is closed, and there's no human interaction involved. ATMs can be found at banks, in grocery stores, in airports, in hotels, in clubs, in restaurants, in gas stations, and at a few other places. If you use an ATM at any branch of your bank, it will be free. Use another bank's or a store's ATM, however, and it could cost you. Generally, the company that owns the ATM will charge you a fee, and your own bank will also charge you a fee. These fees will usually only be a couple of dollars each, but they can add up over the course of a month or year and are an unnecessary expense. Some banks will waive a couple of these fees per month, and if you have an online checking account, you may be able to use almost any ATM without incurring any fees. If you plan to use an ATM frequently, it might save you money to open your account with a major bank that has ATMs everywhere or open an online checking account that allows liberal, fee-free use of other banks' ATMs. If you're good at anticipating your cash needs ahead of time, or if you frequent stores that allow you to get "cash back" when you make a purchase with your debit card, ATM ubiquity need not be a factor in your choice of bank. One drawback of relying on ATMs is their daily cash withdrawal limits. While you shouldn't have any problems withdrawing a large amount of cash from your account if you visit a teller, you usually won't be able to withdraw more than a few hundred dollars a day from an ATM. Steps 1 Insert your card into the ATM and wait about 10-20 seconds until the ATM checks your ATM or Debit card. Ad

2 Select a language. Some ATMs will recognize the language of your ATM card for faster service. 3 Enter your PIN, or Personal Identification Number and press Enter. Press Clear if you make a mistake. 4

Select a transaction. If depositing, select the account you wish to deposit money into. Put your money you wish to deposit in an envelope and seal it. Put it in the deposit slot. If withdrawing, select the account you wish to withdraw money from. Either select or enter the amount of money you wish to withdraw and press Enter. 5 Allow the screen to show if you wish to obtain a receipt or not. Press Yes or No. It's smarter to select Yes for future reference. 6 Allow your transaction to be processed. 7 Wait for the screen to show if you wish to make another transaction. Select Yes if you need to do something else regarding your account at that time, or select No if you're done. 8 Take everything. Double check that you have all of the withdrawn money, your cards, and receipt before turning away from the machine.

Precautions while using an ATM 1. Memorise your PIN. Do not write it down anywhere,and certainly never on the card itself 2. Your card is for your own personal use. Do not share your PIN or card with anyone, not even your friends or family 3. "Shoulder surfer" can peep at your PIN as you enter it. So stand close to the ATM machine and use your body and hand to shield the keypad as you enter the PIN 4. Do not take help from strangers for using the ATM card or handling your cash 5. Press the 'Cancel' key before moving away from the ATM. Remember to take your card and transaction slip with you 6. If you take transaction slip, shred it immediately after use 7. If your ATM card is lost or stolen, report it to your card-issuing bank immediately

8. When you deposit a cheque or card into your ATM, check the credit entry in your account after a couple of days. If there is any discrepancy, report it to your bank 9. If your card gets stuck in the ATM, or if cash is not dispensed after you having keyed in a transaction,call your bank immediately 10. If you have any complaint about your ATM/Debit/Credit card transaction at an ATM, you must take it up with the bank that issued the card to you