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Using the ATM
Key Words

    ATM

    ATM card

    PIN

    Deposit

    Withdrawal

    Transaction

    Fees
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?
Benefits of Using an ATM

    Easy access to banking services

    Easy access to cash. This reduces the need to carry
    large amounts of cash.
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.
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.
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.
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    withdrawn, and the cash received, then notify your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).
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.
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.
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.

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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.