How to Use an ATM for Deposits, Withdrawals, and Safety

An Automated Teller Machine (ATM) serves as a computerized extension of a bank, offering convenient access to banking services beyond traditional branch hours. ATMs perform routine financial tasks, allowing individuals to manage their accounts flexibly, often located in various public places for easy accessibility.

Preparing to Use an ATM

Before approaching an ATM, have your debit or credit card readily available and know your Personal Identification Number (PIN). The PIN is a confidential four-digit code that authenticates your identity and secures your account. Memorize your PIN and never write it down or share it with anyone.

Observe your surroundings as a key safety measure. Check for suspicious individuals or devices, such as card skimmers, designed to steal card information. These devices might appear as loose or crooked parts on the card slot or keypad. Having your card ready before you reach the machine can deter potential criminals by reducing the time you spend exposed.

Navigating the ATM Interface

Upon arriving at the ATM, insert your debit card into the designated slot. Most modern machines require the card to be inserted chip-first, with the chip facing upwards. The ATM screen will then prompt you to enter your PIN using the keypad. Shield the keypad with your hand or body while entering your PIN to prevent others from viewing it.

After successful PIN entry, the ATM will display a main menu with various transaction options. These often include selecting a language, checking account balances, making withdrawals, or initiating deposits. Read the on-screen instructions carefully, as the exact wording and layout can vary between different ATM models and banks. Some ATMs may also offer features like “fast cash” or cardless transactions via mobile apps.

Completing Specific Transactions

Once you have navigated the main interface, performing specific transactions is straightforward. For a cash withdrawal, select “Withdrawal,” choose the account (e.g., checking or savings), and enter the desired amount. After confirming details, the machine will dispense the cash, followed by your card and a receipt. Retrieve your cash, card, and receipt promptly and store them securely before leaving the ATM.

To check your account balance, select “Balance Inquiry” from the main menu; the ATM will display your current balance on screen or print it on a receipt. For deposits, select “Deposit,” choose whether you are depositing cash or checks, and indicate the target account. The ATM will instruct you to insert the cash or endorsed checks into the designated slot. Modern ATMs count the inserted items automatically and display the amount for verification before completing the transaction. Always take your receipt as proof of the transaction.