This document provides information about using automated teller machines (ATMs). It explains that ATMs allow users to access banking services like deposits, withdrawals, and balance checks 24/7 using their ATM card and personal identification number (PIN). Key benefits are easy access to cash and banking without visiting a physical bank branch. The document outlines proper ATM safety procedures like keeping PINs secret and not displaying cash at the machine. It also notes there may be fees for using non-proprietary ATMs not owned by the user's bank.

1. Using the ATM

2. Key Words

ATM

ATM card

PIN

Deposit

Withdrawal

Transaction

Fees

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 Year's Day. Do you know why?

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. 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. 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. 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. ATM Safety

Don't 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withdrawn, and the cash received, then notify your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. ATM Etiquette

Give the person using the ATM distance while you
wait to use the machine.

Complete your transaction as quickly as possible.

Don't leave your bank receipt or trash at the
machine.

10. Fees and Transaction Costs

PROPRIETARY ATM. Your bank owns the machine.
In most cases, you don't 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. 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 bank's
ATM machine.