Automated teller machines (ATMs) facilitate basic banking transactions without the need for bank representatives, with various types including online, offline, onsite, and offsite ATMs. Customers can withdraw cash through a secure PIN-based system, with banks setting limits on transactions, and features such as cardless cash withdrawal are available. It’s important to safeguard ATM usage against fraud by following security measures like shielding the keypad and avoiding assistance from strangers.

3.  ATM or AUTOMATED TELLER MACHINES are the
automated banking devices that helps the
customers to access their basic banking
transactions.
 It does not include any banking representatives.

4. VARIOUS NAMES

5. HISTORY
 The idea of self-service in retail banking developed
through independent and simultaneous efforts in
Japan, Sweden, the United Kingdom and the
United States.
 The ATM was invented by Scot John Shepherd-
Barron.
 Reg Varney using the first ATM in 1967

7. TYPES OF ATM ‘S
 ONLINE ATM : PIN based atms , connected with
bank’s database, transactions monitored by banks.
 OFFLINE ATM : Donot involve PIN code , not
connected to bank database,have predefined
withdrawl limit fixed, can be used anywhere where
credit cards are accepted .
 ONSITE ATM : That are next to your bank
branches. Accessed by the banks .
 OFFSITE ATM : Which are installed anywhere, but
within the branch.

8.  WHITE LABELLED ATM ‘S : Provided by the
NBFC’s that have been incorporated under
Companies Act 1956.
 BROWN LABELLED ATM’S: Owned by the service
providers and cash management is maintained by
the sponsered banks.
 WORKSITE ATM’S: Located within the premises of
an organisation & is meant for the employees.
 OTHER ATM’S : GREEN LABELLED ATM
YELLOW LABELLED ATM
PINK LABELLED ATM

11. 1.INSERT THE ATM CARD INTO
THE ATM DEVICE

12. 2. TYPE IN YOUR PIN (PERSONAL
IDENTIFICATION NUMBER)

13. 3. SELECT THE WITHDRAWAL
OPTION

14. 4. SELECT THE ACCOUNT

15. 5. TYPE YOUR AMOUNT TO BE
WITHDRAWN

16. 6. SELECT THE EXIT OPTION

17. 7. TAKE YOUR CARD

18. 8.TAKE YOUR MONEY

19. 9. TAKE YOUR RECEIPT

20. MINIMUM AND MAXIMUM LIMIT OF
WITHDRAWAL
 Yes, banks set limit for cash withdrawal by
customers. The cash withdrawal limit for use at the
ATM of the issuing bank is set by the bank during
the issuance of the card. This limit is displayed at
the respective ATM locations.
 EXAMPLE: The most popular service in SBI
ATMs enables customers to withdraw up to a
daily limit of Rs. 40,000/-
 The options in the denomination of 100, 200,
500, 1000, 2000, 3000, 5000, 10,000 are available.

22. 1.CARDLESS CASH
WITHDRAWAL
 Cardless Cash Withdrawal service, a simple and
safe mode for ICICI Bank customers to send cash,
24x7, to any mobile number in India.
 All you need is to login to www.icicibank.com with
your Internet Banking user ID and password and
initiate a Cardless Cash Withdrawal transaction.

23. 2.EXPRESSION CARDS
The cards provides:
HIGH daily spending limits
Daily cash within india : 1 lac
Daily purchase limit at retail /online websites : 2 lac

24. BENEFITS
 You don’t have to carry cash around with you.
 If your card is stolen, the thief cannot get your
money without your PIN.
 You can use it to pay at some retail shops.
 Keeps your money safe.
 You can withdraw cash at any time, day or night.
The banks don’t need to be open.
 Your ATM card is protected by a PIN, keeping your
money safe.
 You don’t need to fill out withdrawal and deposit
slips.
 ATMs are faster than going to the bank—no long
lines.

25. FRAUDS

29. Collect your cash immediately from the
slot.
In case of any discrepency or failure
transactions immediately contact your
bank.
Inform your bank if u have lost your
atm card.
Shield the keypad while entering your
PIN.

30. Donot leave your ATM transaction
unattended. Step out when your
transaction is complete.
Donot keep your card & PIN together
Also donot share your PIN details with
anyone .
Donot write PIN on the reverse side of
the card.
Never accept assistance from
strangers at the ATM.