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How to use an ATM
Automatic teller machines (ATMs), or cash machines as they are commonly called, are the most convenient method to access cash in the US. To use the machine you must have an ATM card for your bank account or other credit card. The machine will allow you to withdraw money from an account or charge against your credit card. Your credit card might start charging interest on the money you withdraw right away, instead of giving you the typical 30-day grace period for purchases, so check your card"s rules before using.
ATMs are found everywhere, usually outside of banks, and also in airports, grocery and convenience store, and shopping malls. Each ATM will be associated with a bank, but you can use any machine that is part of your bank"s "network." Look for network symbols on the back of your card, such as "CIRRUS." Your card can be used in any machine displaying these same symbols. Beware that if you use an ATM that is not owned by your bank, you may be charged a fee. Some banks even charge their own customers for use of their ATMs. This fee can be a few cents or more than a dollar, but most people think the convenience is worth it.
ATM debit cards can be used just like credit cards in many gasoline stations, discount stores, grocery stores, some restaurants and department stores. But remember that the amount of your purchase will be immediately deducted from your account balance. You"ll want to keep a record of your card use.
How to get cash from the ATM:
After inserting the ATM card in the machine, it will ask for your PIN (personal identification number); once your PIN has been confirmed, you will need to select a transaction (usually deposit, withdrawal, or account balance inquiry), and the type of account you would like to access (checking, savings, or money market). You will then be asked to confirm the transaction. You get a receipt and your cash, if you make a withdrawal. If you make a deposit, you will need to put the money in an envelope, and place it in the deposit slot. You will then be issued a receipt. Finally, you will be asked if you would like to make another transaction. When you are finished, don"t forget to take your card! The machine will "beep" to remind you. If you are making a withdrawal, keep in mind that ATMs usually distribute only twenty dollar bills; very occasionally, you will see one that distributes fives and tens. There is usually a limit to the amount of cash you can withdraw from ATMs in one day, usually about $200.
Safety rules
PIN
When you get an ATM card, you will select your own PIN. PINs are usually four digits. Try to make it easy to remember, but not so easy that someone else could figure it out and use the card. It"s probably a mistake to choose 1234, your birthday, your address, etc. Memorize your PIN. Don"t write it on your ATM card or anywhere in your wallet. Do not tell your PIN to anyone.
At the ATM
Have your card ready when you approach the ATM. Don"t spend any extra time at the machine; put your cash in your pocket & walk away; you can put it away in your wallet after you"ve left the area.
If you are making a deposit, fill out the envelope ahead of time. Be aware of your surroundings while using an ATM; don"t let anyone see your PIN. Leave immediately if there is anyone in the area who seems to be watching you too closely while you use the machine. At night, choose well-lighted ATM locations, and ask someone to go with you. If the location doesn"t seem safe, or you feel uncomfortable there, leave.
Be courteous of others using the ATM - give them room so that they do not feel uneasy.
Keep your receipt to compare against your monthly statement in case there"s an error.
Don"t forget to take your card when you leave! If you lose your card, report it to your bank right away.
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After inserting the ATM card in the machine, it will ask for your PIN (personal identification number); once your PIN has been confirmed, you will need to select a transaction (usually deposit, withdrawal, or account balance inquiry).
You will then be asked to confirm the transaction. You get a receipt and your cash, if you make a withdrawal.
Finally, you will be asked if you would like to make another transaction. When you are finished, don"t forget to take your card! The machine will "beep" to remind you. If you are making a withdrawal, keep in mind that ATMs usually distribute only 50 and 100 yuan bills. There is usually a limit to the amount of cash you can withdraw from ATMs in one day, usually about 3000 yuan.
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