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Q. 1.What is an Automated Teller Machine(ATM)?

Ans1. Automated Teller Machine is a computerized machine that provides the customers of banks the facility of accessing their account for dispensing cash and to carry out other financial & non-financial transactions without the need to actually visit their bank branch.

Q.2. What type of cards can be used at an ATM?

Ans 2. The ATM debit cards, credit cards and prepaid cards (that permit cash withdrawal) issued by banks can be used at ATMs for various transactions.

Q. 3. What are the services/facilities available at ATMs?

Ans3.In addition to cash dispensing ATMs may have many services/facilities enabled by the bank owning the ATM such as:

Q.4. How can one transact at an ATM?

Ans4. For transacting at an ATM, the customer inserts /swipes his/her Card in the ATM and enters his/her Personal Identification Number(PIN) issued by the bank.

Q.5. What is Personal Identification Number (PIN)?
Q.6. Can these cards be used at any bank ATM in the country? Is the customer charged for the same?

Ans6. Yes. The cards issued by banks in India may be used at any bank ATM within India. However the savings bank account holders can transact a maximum of five transactions free at other bank ATMs in a month, which is inclusive of all types of transactions, financial and non-financial, beyond which the customer can be charged by his/her bank.

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