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September 4, 2017

Using a Debit Card at an ATM (Easy Guide)

Using a Debit Card at an ATM (Easy Guide)

As you already know, your debit card can do more than just allow you to make purchases with online retailers and merchants. With it, you can also get the cash from ATMs (Automatic Teller Machines), and for some people, that’s the only reason to use a debit card at all. After all, a credit card is a better tool when it comes to online purchases. In this article, we’ll try to explain how to easily use a debit card at an ATM – read on!

  1. Safety first
    Before you do anything, make sure that you’re safe. You should only use an ATM if you’re in a clean and a well-lit place. As you probably already know, sometimes there will be thieves waiting for people who have just withdrawn some cash, which is exactly why you should be so careful. Don’t forget to look over the machine and see if there’s anything suspicious going on.
    The thieves can also install small, hidden devices which can steal card numbers, as well as cameras which can film you typing in your PIN. If there’s anything “funny” looking in the area, just find another ATM.
  2.  Inserting the card
    The first step is usually to place the card into the ATM. You’ll probably see the blinking green light around the slot where you’re supposed to place the card. Insert it, and follow the on-screen instructions.
  3.  Selecting the language
    This depends on the model, but most ATMs will allow you to choose a language. This is probably the easiest step – just choose the one you understand.
  4.  Entering the PIN
    In order to access your account, you will have to prove your identity. This is done by typing in the PIN (Personal Identification Number). While doing this, make sure to cover the keypad with your other hand (or block it with your body) – you certainly don’t want anyone else to see this number. This will also protect the number from any cameras that might be hidden nearby. Make sure that you’re entering the same PIN as that of the ATM card you’re using. Otherwise, your card might end up blocked.
  5.  Requesting a transaction
    Once the confirmation of your identity is finished, you’ll be able to proceed with the transaction. The machine will present you with a list of choices – like the cash withdrawal, balance inquiry, or deposit. In most cases, the user can complete multiple transactions in just one session – like checking the balance first and then withdrawing the cash. You’ll just have to follow the on-screen instructions to choose the account and the amount.
  6. Watching for the fees
    Before the transaction is finished, the machine is supposed to inform you about any charges that are related to the action of your desire. Decide if you want to (or can) pay these fees, and don’t forget that the ATM will show just one part of them. If you’re using a “foreign” (meaning, not your bank’s) machine, your bank will probably charge you with an additional fee. To dodge it, just use the machine that’s inside your bank’s network.
  7. Finishing the transaction
    Check if your ATM session is over so that the next person in line can’t use your account. Before you finally walk away from the ATM, make sure that the card is in your possession. Quickly store the withdrawn cash, without counting it on your way away from the machine – this creates a temptation for the nearby thieves.

Once you get the hang of all this, you’ll be able to use the machine for more tasks – not just the cash withdrawal. We hope we’ve helped you – good luck!

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