How to Use ATM machine?

To use an ATM machine, first find an ATM, second you need to have a card from your bank, third you need to put the card on the ATM and go through the steps on the screen. Once you have asked for money from the ATM, first take your card and take it to a safe place, secondly take the money and also store it in a safe place. Take your receipt from the ATM. It’s safe and easy.

How to use ATM machine step-by-step?

1. Find a ATM machine, preferably from your bank to use and avoid additional fees.

2. Check the machine to see if someone before you has installed a scanning device to use later and steal money from your account.

3. Insert your debit card into the slot to begin to withdraw money using ATM. The direction usually depends on the image displayed on the machine. Some modern ATMs may require you to use a quick dip method and immediately remove the card.

4. Some ATM machine offer a choice of languages. Pick the one you’re most comfortable with to use.

5. To use the machine effectively, it will prompt you to enter your Personal Identification Number (PIN). Make sure no one is watching when you enter it to withdraw money using ATM.

6. Choose a Transaction type from the main menu:

• Withdrawal or Cash Withdrawal – Select this option to withdraw money using ATM. Choose the account (checking/savings), and enter the amount. Type in the amount of money you wish to withdraw using ATM. Some ATMs might have quick selection amounts, but you can usually enter a specific amount. The ATM will process the request and dispense the cash in the cash slot. Make sure to use caution and take all the banknotes.
• Deposit: Some ATMs allow deposits. Insert cash or checks as instructed to use.
• Balance Inquiry – Check the balance in your account(s).
• Transfer Funds –Move money between linked accounts (e.g., from checking to savings).
• Bill Payment – Some ATMs offer the option to use this feature to pay bills, like utilities or credit card bills, directly from your account.
• Choose PIN Change – If you want to change your personal identification number, some ATMs give you the ability to use this feature.
• Mini Statement –This gives you a brief overview of the recent transactions in your account.
• Mobile Recharge: In some regions, ATMs offer the ability to use them to add credit to prepaid mobile phone accounts.
• Currency Conversion –This is especially relevant in international ATMs, where you might be given the option to use them to withdraw money using ATM in a different currency or be shown your balance in another currency.
• Donation – Some ATMs give you the option to use them to donate money to charitable causes.

7. When you select a transaction type, the ATM will guide you through the necessary steps to use it to complete that specific transaction. Always ensure that you follow on-screen instructions carefully and finalize the transaction by either taking your card, cash, or any printed receipt the ATM provides.

8. If offered, it’s a good idea to take the receipt as a record of the transaction. It can be helpful for tracking and if discrepancies arise when you decide to use an ATM.

9. Always ensure you take your card back after you use it to withdraw money using ATM. If you’ve made a withdrawal, ensure you collect your money promptly. Some ATMs return the card before dispensing cash, while others might do it after. Always ensure you take your card back.

10. If given an option for a receipt, you can choose to receive one or skip it. If you choose to get a receipt after using the ATM to withdraw money, wait for it to be printed and take it. It’s a good idea to keep the receipt until you’ve checked your bank statement.

11. Store Everything Safely – After you use the ATM to withdraw money, put your card, money, and receipt safely in your wallet or purse.

Safety Tips when using an ATM

• Use ATMs in well-lit and busy areas to minimize risk. It’s easier for you and others to notice any suspicious behavior or potential tampering with the ATM. If an area is busy, there’s less chance of someone attempting to rob or coerce you after you use it to withdraw money. Criminals are less likely to target ATMs in busy areas due to the higher likelihood of being spotted by passersby or potential witnesses.
• Shield the keypad when entering your PIN to prevent anyone from seeing it. Criminals sometimes install small hidden cameras near ATMs or payment terminals to record customers entering their PINs. By shielding the keypad, you can prevent these cameras from capturing your PIN when you use the ATM.
• Be wary of suspicious-looking devices attached to the ATM when you intend to use it. They could be skimming devices used to steal card information. Tug gently at the card insertion slot. Skimming devices often fit over the real card slot, so they might feel loose or come off when you pull on them. Look for any unusual attachments or oddly colored materials when preparing to use the ATM to withdraw money using ATM. The card reader should match the rest of the ATM in color and material. Some thieves place a fake keypad over the original one to capture your PIN when you decide to use the ATM. Press the buttons; they should feel like they’re directly connected to the machine, not squishy or loose. The fake keypad might also appear thicker than usual.
• If someone is behaving suspiciously around an ATM, it’s best to use another machine or come back later. Someone might be waiting for an opportunity to force a person to withdraw money using ATM or rob them after they have made a withdrawal. Even if they’re not there for a scam or robbery, an individual acting erratically or aggressively can pose a threat to your personal safety when you’re trying to use the ATM.
• Check your account statements regularly for any unauthorized transactions. Catching unauthorized transactions early allows you to take immediate action, limiting potential damages. Sometimes, genuine mistakes happen. Maybe a merchant double-charged you, or a subscription you thought you canceled is still billing you. Most banks offer protection against fraudulent activities when you use their services to withdraw money using ATM. It helps you keep track of your spending habits, ensuring you are within your budget and not overspending.
• In case of any issues, lost card, or suspected fraudulent activity, contact your bank immediately after you use the ATM. If your card is lost or stolen, the bank can immediately block or deactivate it, preventing any unauthorized access or usage. The bank can initiate the process to send you a replacement quickly. If there’s suspected fraudulent activity when trying to use the ATM, the bank can start an investigation right away, which may involve tracking suspicious transactions, checking CCTV footage at ATMs, and more.
• Avoid counting cash at the ATM after you use it to withdraw money using ATM. Do it in a secure and private place. Standing at an ATM and counting a wad of cash can attract the attention of potential thieves. You become an easy and obvious target.
• Always keep your ATM card in a secure place when not in use. If your card falls into the wrong hands, it can be used for unauthorized transactions, leading to potential financial losses. Beyond just the risk of unauthorized purchases, a lost or stolen card can be a gateway for identity thieves. They might try to gather more personal information about you, aiming for broader financial fraud or identity theft. Some people jot down their PINs or other confidential information on the card or its holder. If the card is lost, this information can be misused.
• Remember that while ATMs offer convenience, it’s crucial to prioritize safety and security when planning to use them to withdraw money using ATM.

Now you already know how to use an ATM machine and how to withdraw money using ATM. You also know how to use it in the safest way.

Vincent Pelosi

I am a crypto journalist and blockchain expert. I like technology and started reading about bitcoin in 2013. Crypto is my passion and I like to write about cryptocurrencies.

P.S.
When I wrote the article “How to Use ATM machine?” I analyzed statistics from various reliable sources. Always verified information from the Genesis code.