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  1. 1. Using the ATM
  2. 2. Key Words ATM ATM card PIN Deposit Withdrawal Transaction Fees
  3. 3. What is an ATM? Automated teller machine Allows you to do simple banking transactions, usually 24 hours a day Examples: depositing money, withdrawing money (getting cash), or checking your balance from either your savings or checking accounts. In Tokyo, the ATMs are closed for three days during the New Years Day. Do you know why?
  4. 4. Benefits of Using an ATM Easy access to banking services Easy access to cash. This reduces the need to carry large amounts of cash.
  5. 5. Using an ATM You will first need to have a bank account. The bank will mail you your ATM card and a PIN (Personal Identification Number). You need to keep the PIN secret so that no one can use your ATM card. To use the ATM, you will first place your card into the machine, and enter your PIN. Then you will be able to do your banking.
  6. 6. ATM Safety Safety is important when using the ATM. Keep your PIN number a secret, and do not disclose it to anyone. Do not write your PIN number on your ATM card. Do not keep your PIN on a piece of paper in the same location as your ATM card. Do not keep this number in your wallet. For added security, change your PIN number periodically. If your ATM card is ever lost or stolen, report it immediately to your bank.
  7. 7. ATM Safety When entering your PIN, be sure no one is looking over your shoulder, and position yourself to block anyone from seeing your PIN code. When your transaction is complete, be sure to take your money and place it immediately in your wallet or purse.
  8. 8. ATM Safety Dont forget to take your ATM card before leaving. Do not stand around and count your money at the ATM. If there is a discrepancy between the amount withdrawn, and the cash received, then notify your bank immediately (be sure to identify the machine that you used).
  9. 9. ATM Etiquette Give the person using the ATM distance while you wait to use the machine. Complete your transaction as quickly as possible. Dont leave your bank receipt or trash at the machine.
  10. 10. Fees and Transaction Costs PROPRIETARY ATM. Your bank owns the machine. In most cases, you dont have to pay a fee for using its ATM. NON-PROPRIETARY ATM. The machine is owned by another bank. If you use a non-proprietary ATM either your bank, the other bank, or both banks will charge you a transaction fee.
  11. 11. Fees and Transaction Costs NATIONAL ATM. These ATMs are connected to a national network. There are often fees associated with using these ATMs. OTHER ATMs. ATMs can now be found in many different locations such as grocery stores, gas stations, etc. They are there for your convenience, but expect to pay high fees. Be careful about ATM fees. Try to use a bank account that does not charge you for using their machines, and try to stick to using your own banks ATM machine.