ATMs, or “Automated Teller Machines,” make banking fast, simple, and reliable. You can use them for everything from getting cash and depositing checks to paying bills. If you haven’t used an ATM before, this guide will show you how easy it can be. Keep reading to learn how to use an ATM with a debit card, withdraw cash, make deposits, and pick the right ATM to avoid extra fees.
Things You Should Know
- Insert your card into the ATM with the chip facing forward, enter your PIN, and follow the onscreen prompts.
- Use ATMs affiliated with your bank to avoid additional fees.
- Use ATMs in well-lit, high-traffic areas for safety, and remember to take your card, cash, and receipt after the transaction.
Part 1: Accessing Your Account
Step 1: Locate a Nearby ATM
- Use map software to find a nearby ATM, preferably one that matches the bank that issued your debit card.
- Using your bank’s ATM may avoid additional fees and offer more services, such as cash deposits.
- Be aware of possible extra fees for international ATM withdrawals. Call your bank to report travel plans and inquire about fees.
Step 2: Ensure Your Safety
- Choose a well-lit and well-trafficked area for using the ATM.
- Stand in front of the ATM to shield your screen and key presses from onlookers.
Step 3: Insert Your Card Correctly
- Insert your card into the ATM with the card’s chip facing forward.
- If you insert the card incorrectly, simply remove it and try again. The ATM may have a diagram to guide you.
Step 4: Select Your Language
- Choose your preferred language from the options provided by the ATM.
Step 5: Enter Your PIN
- Enter your personal identification number (PIN), typically a four- to six-digit code.
- Shield the keypad with your hand to prevent others from seeing your PIN.
- Never share your PIN with anyone.
Part 2: Withdrawals, Deposits, & Other Transactions
Step 1: Withdraw Cash
- Choose between “Fast Cash” or a regular withdrawal. Fast Cash offers quick options like $40, $60, or $100.
- For regular withdrawals, enter the specific amount you need.
- Select the account (checking or savings) if you have multiple accounts linked to your card.
- Be mindful of daily withdrawal limits set by your bank.
Step 2: Deposit Checks or Cash
- Choose “Deposit Cash” or “Deposit Checks” from the ATM options.
- Insert your cash or checks into the slot that opens near the card reader.
- Confirm the total amount for the deposit, making adjustments if necessary.
- Note that deposits may not be immediately available.
Step 3: Check Your Account Balance
- Select “Check Account Balance” to view the amount of money available in your account.
- You can view this information on-screen or print it on a receipt.
- Fees may apply for checking balances at non-affiliated ATMs.
Step 4: Transfer Money Between Accounts
- Use the “Transfer” option to move money between your accounts at the same bank.
- Select the source account and the destination account, enter the amount, and confirm the transfer.
- Some banks also allow bill payments through their ATMs.
Step 5: End Your Session
- Press the red “X” button or select “Cancel,” “End Session,” or “Return my card” on the screen to end your session.
- Ending the session won’t cancel completed transactions but will stop any pending actions.
Step 6: Take Your Card, Cash, and Receipt
- Remember to take your card, cash, and receipt before leaving the ATM.
- If you forget your card, return to the ATM immediately or contact your bank to cancel the card.
Using ATMs can simplify your banking tasks, from withdrawing cash and depositing checks to checking balances and transferring money. Always ensure your safety, be aware of potential fees, and remember to secure your card and cash after each transaction.
