How to Use an ATM: A Step-by-Step Tutorial

An Automated Teller Machine (ATM) is an electronic terminal that allows individuals to conduct various banking transactions. These machines offer continuous access to funds and account information, operating beyond traditional bank hours. ATMs provide a quick and efficient way to manage personal finances.

Getting Ready to Use an ATM

Before approaching an ATM, ensure you have your debit or ATM card readily available. Knowing your Personal Identification Number (PIN) from memory is essential. Choose an ATM in a well-lit, public location, especially if transacting during evening hours. As you approach, inspect the card reader and keypad for any signs of tampering, such as a loose card slot or an ill-fitting keypad, which could indicate a skimming device.

Completing Your Transaction

Once at the ATM, insert your debit or ATM card into the designated slot, ensuring it is oriented correctly, usually chip-first. The machine will then prompt you to enter your four-digit PIN using the keypad. After authentication, the ATM will display a menu of available transactions, allowing you to select options like “Withdrawal,” “Deposit,” or “Balance Inquiry.”

For a cash withdrawal, enter the desired amount and specify the account (e.g., checking or savings) from which the funds should be drawn. The ATM dispenses the cash; collect it promptly along with your card.

When making a deposit, select the deposit option and insert cash or checks into the designated slot, following on-screen instructions. The machine will count the items and display the total for your confirmation; verify this amount before finalizing the transaction.

For a balance inquiry, selecting this option will display your current account balance. Many ATMs offer the choice to print a receipt for your records. Retrieving your card after the transaction is complete is an important final step.

Staying Safe at the ATM

Maintaining awareness of your surroundings is important throughout the ATM transaction. When entering your PIN, use your free hand or body to shield the keypad from onlookers, preventing unauthorized viewing. After withdrawing cash, immediately secure it in your wallet or purse without openly counting it at the machine, as this can draw unwanted attention. It is safer to count your funds once you are in a more secure location, such as your vehicle or home.

If an ATM retains or “swallows” your card, do not re-enter your PIN or accept assistance from strangers. Instead, note the ATM’s location and any identifying numbers, then promptly contact your bank’s customer service to report the incident and arrange for a new card. If your card is lost or stolen, immediate notification to your financial institution is essential. Federal regulations, such as Regulation E, limit a consumer’s liability for unauthorized electronic fund transfers. Prompt reporting, generally within two business days of discovery, significantly reduces potential financial exposure, often capping liability at $50.