Office of Financial Empowerment
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ATM Service

Automated Teller Machines (ATMs) are a quick way to get cash.  When you open a savings or checking account, many banks offer you an ATM card (may also be known as a debit card) so that you can make transactions at an ATM without needing to wait on line for a teller.  Simply insert your bank or credit card and type your Personal Identification Number (PIN) to get cash.  Below are five tips when using ATMs.


  • When entering your PIN, make sure no one is looking and cover the keypad.
    Your PIN should be kept a secret.  Shield the screen and keyboard when entering your PIN so that anyone waiting to use the ATM cannot see your information.  Be alert of your surroundings and if you don't feel comfortable in the area, go to another ATM location.

  • Know what fees will apply.
    Generally, if you use your own bank's ATM to withdraw and deposit money, you don't need to pay an ATM fee.  If you use another bank's ATM or use your credit card to withdraw money, certain fees apply.  The company providing the ATM service may charge a fee and your bank may charge you a service fee or your credit card company may charge an additional cash advance fee.

  • Keep the receipt for your records.
    To keep track of what you took out of your account, keep the receipt.  The receipt can be used to check your banking and/or credit card statement to make sure no errors were made.

  • Remember to remove your card before leaving the ATM.
    Your ATM and credit card include your name and account numbers.  If either falls into the wrong hands, it could lead to identity theft.  If your card is lost or stolen, be sure to contact your bank or credit card company right away.

  • Speak with a teller or call the helpline if you have a problem using the ATM.
    Using the ATM is quick and easy, but there can be instances when the machine has system problems, such as being unable to read your card or not dispensing money.  If you encounter a problem, you should go inside the bank to speak with a teller to resolve the problem or call the helpline posted on the ATM to speak with a customer service representative.