An ATM, or automated teller machine, allows users to access their bank accounts to withdraw cash, check balances, and transfer funds without needing to visit a bank branch. ATMs are installed by banks in various locations and allow any user to withdraw funds from their account, regardless of which bank owns the ATM. Transactions may be subject to fees depending on the bank and number of transactions in a month. To use an ATM, a user inserts their debit card and enters their PIN to access a menu of transaction options on screen. Following the on-screen instructions, a user can withdraw cash, deposit funds or checks, and check their account balance.

1. A- Automated
T- Teller
M- Machine

2. What is Automated Teller Machine
ATM stands for Automated teller machine which is a self-service banking
outlet, you can withdraw money, check your balance, or even transfer funds at
an ATM. Different banks provide their ATM services by installing cash
machines in different parts of the country. You can withdraw money from any
these machines irrespective of whether or not you are an account holder in the
same bank.
ATM transactions are either free or bear a nominal charge depending upon the
banks . Banks usually do not charge for the first 3-5 ATM transactions in a
month. Once you cross the limit of free transactions, you may have to pay a
nominal charge. Also, some banks levy charges if you withdraw money from
the ATM of another bank of which you are not an account holder.
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4. How to Use ATMs
To avail of the facility of automated teller machines,
you need to have a bank account and an ATM card
against the account for the same. Most of the times,
bank issues a debit card that you can use not only at
ATMs but also at online payment gateway or card
swipe payments.
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5. How can you operate an ATM
 Approach the ATM : Walk up to the ATM and
ensure that the surrounding area is safe and well-lit. Be
cautious of anyone behaving suspiciously nearby.
 Insert your card : Locate the card slot on the ATM
and insert your debit and credit card with the cards
magnetic strip facing down or the chip facing up,
depending on the type of card and ATM. Follow the on-
screen instructions if any.
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6.  Enter your Pin : Once the card is inserted, the ATM
will prompt you to enter your personal identification
number[PIN]. Carefully enter your PIN using the
keypad provided.
 Select your transaction : After entering your PIN,
the ATM will display a menu of transaction options on
the screen. Common options include withdrawals,
deposits, balance enquiries, and fund transfer.
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7.  Follow on-screen instructions : The ATM
will provide step-by-step instructions for each
transaction. Read the instructions carefully and
follow them according.
 Withdrawal : if you choose to withdraw cash,
enter the amount you wish to withdraw and
confirm the transaction. The ATM will
dispense the requested amount in cash.
 Deposits : If you want to deposit cash or
checks, the ATM will guide you an the specific
procedure. Some ATMs require you to insert
checks or cash directly into designed slots. 7

8. Advantages
• 24/7 Operation
• Multiple locations (ATMs operated
by other bank can also be used)
• Traveling to one’s bank for basis
services is no longer necessary,
thus also reducing the bank’s
workload
• Maximum security
Advantages and
Disadvantages Of ATM
Disadvantages
• Runs out of cash sometimes
• High fees in case of withdrawal
from another bank’s ATM
• Chances of robbery of
machines as such
• Limit to withdrawal
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9. Types of ATM Machines
 Leased Line ATM Machines
 Dial-up ATM Machines
 White Label ATM
 Brown Label ATM
 Onsite ATM
 Offsite ATM
 Cash dispenser
 Mobile ATM
 Green Label
 Orange Label 9

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11. Thank
You
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