{"id":23494,"date":"2026-03-04T01:40:14","date_gmt":"2026-03-04T01:40:14","guid":{"rendered":"https:\/\/budgetadirect.com\/?p=23494"},"modified":"2026-03-04T01:40:17","modified_gmt":"2026-03-04T01:40:17","slug":"automated-teller-machine-atm-what-it-is-and-how-to-use-one","status":"publish","type":"post","link":"https:\/\/budgetadirect.com\/?p=23494","title":{"rendered":"Automated Teller Machine (ATM): What It Is And How To Use One"},"content":{"rendered":"<div>\n<p>ATMs are a convenient way for people to quickly access their bank accounts. Many ATMs are conveniently accessible any time of day or night and can be used for everything from withdrawing or depositing money to checking your account balance to transferring money between accounts, without visiting a branch. Here\u2019s everything you need to know about ATMs, including how they operate, their features, fees and more. \u00a0<\/p>\n<div id=\"block_2b8dcf9437ee535c12675a652767cf17\" class=\"key-takeaways sm:border-l-4 border-(--accent) sm:pl-8 my-8 relative\" style=\"--accent: var(--color-blue-medium)\">\n    <!-- htmlmin:ignore --><\/p>\n<h2 class=\"heading-4 mt-0 mb-4 text-crop-none max-sm:flex max-sm:items-center max-sm:gap-4\" id=\"key-takeaways\" data-position=\"0\" data-beam-element-viewed=\"\" data-id=\"br-h2-0-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Key takeaways\" data-outcome=\"\">\n    <span class=\"shrink-0\">Key takeaways<\/span><br \/>\n        <span class=\"max-sm:h-0.5 max-sm:w-full max-sm:w-full max-sm:bg-(--accent) max-sm:rounded-full max-sm:block\"\/><br \/>\n    <\/h2>\n<p>    <!-- htmlmin:ignore --><\/p>\n<ul class=\"flex flex-col text-gray-700 mb-0 gap-2 list-disc\">\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            ATM stands for automated teller machine.\n                                                <\/li>\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            An ATM allows you to withdraw money, deposit cash or checks, view your balance or transfer money between accounts.\n                                                <\/li>\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            Many ATMs are accessible around the clock and eliminate the need to see a bank teller for transactions.\n                                                <\/li>\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            It pays to avoid ATM fees by only using ATMs in your bank\u2019s network.\n                                                <\/li>\n<\/ul>\n<\/div>\n<h2 data-position=\"1\" data-beam-element-viewed=\"\" data-id=\"br-h2-1-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"What does ATM stand for?\" data-outcome=\"\"><strong>What does ATM stand for?<\/strong><\/h2>\n<p>ATM stands for automated teller machine \u2014 these specialized computers allow you to complete bank transactions without the need of a bank representative.\u00a0<\/p>\n<h2 data-position=\"2\" data-beam-element-viewed=\"\" data-id=\"br-h2-2-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"How do ATMs work?\" data-outcome=\"\"><strong>How do ATMs work?<\/strong><\/h2>\n<p>ATMs dispense cash and allow you to make other banking transactions. An ATM typically consists of a screen, a card reader, a keypad, a cash dispenser and a printer.<\/p>\n<p>ATMs can be found in many locations throughout the U.S. and the world. On-premise ATMs are located at financial institutions such as banks and credit unions, while off-premise ones are commonly offered at places like airports, grocery stores and gas stations.<\/p>\n<section class=\"editorial-insight-box --insight-box +mg-vertical-md\" data-template=\"insight_box\">\n<div class=\"card-body border-l-4 border-blue-800\">\n<div class=\"icon-wrapper\">\n                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"icon-offset-blue-200\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Bank With Check Mark Icon<\/title>\n<path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M21.614 11.811h.83v-.008c.775 0 1.41-.625 1.41-1.404v-.593c0-.479-.236-.925-.643-1.185l-8.545-5.496c-.465-.3-1.068-.3-1.532 0L4.59 8.63c-.399.26-.643.706-.643 1.185v.593c0 .771.627 1.404 1.409 1.404h.83v6.909h-.7c-.562 0-1.034.381-1.156.925l-.4 1.827c-.081.349.009.714.237.99.228.276.562.438.92.438h17.628c.358 0 .692-.162.92-.438.228-.276.318-.641.236-.99l-.399-1.827a1.177 1.177 0 0 0-1.157-.925h-.7V11.81Z\" fill=\"transparent\" class=\"icon-offset\"\/><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M20.724 10.857h-.861v3.623a.68.68 0 0 1-.676.682.68.68 0 0 1-.675-.682v-3.623h-3.53v4.756a.68.68 0 0 1-.675.682.68.68 0 0 1-.676-.682v-4.756h-3.53v7.254h1.765a.68.68 0 0 1 .676.682.68.68 0 0 1-.676.682H3.245l-.363 1.662h10.107a.68.68 0 0 1 .676.682.68.68 0 0 1-.675.681H2.73a1.23 1.23 0 0 1-.954-.46A1.215 1.215 0 0 1 1.53 21l.413-1.918a1.224 1.224 0 0 1 1.2-.971h.725v-7.254h-.86c-.811 0-1.462-.665-1.462-1.475V8.76c0-.503.254-.972.668-1.244l8.858-5.78a1.45 1.45 0 0 1 1.587 0l8.858 5.771c.422.273.667.742.667 1.245v.622c0 .818-.659 1.474-1.46 1.474v.009Zm.009-1.364H14.41a.668.668 0 0 0-.21 0H3.009a.112.112 0 0 1-.11-.11V8.76c0-.042.051-.102.051-.102h.009l8.858-5.77c.033-.026.118 0 .118 0l8.858 5.77c.034.025.05.102.05.102v.622c0 .06-.05.111-.11.111ZM5.22 10.857h3.53v7.254H5.22v-7.254Zm6.646-3.333a.68.68 0 0 1-.675-.681c0-.375.304-.69.675-.69.372 0 .676.297.676.673 0 .392-.304.69-.676.69v.008Zm4.814 14.55h.009-.017.008Zm-.473-.196a.665.665 0 0 0 .946 0l5.15-5.2a.689.689 0 0 0 0-.963.673.673 0 0 0-.953 0l-4.67 4.714-2.018-2.046a.673.673 0 0 0-.954 0 .689.689 0 0 0 0 .964l2.5 2.531Z\" class=\"icon-base\"\/><\/svg>\n            <\/div>\n<div class=\"content-wrapper\">\n<p>\n                    Did you know?\n                <\/p>\n<div class=\"content wysiwyg wysiwyg--flush\">\n<p>Barclays unveiled the world\u2019s first ATM at a branch in London in 1967. The first ATM in the U.S. started dispensing cash in 1969 to customers of Chemical Bank in New York. As of 2024, there are approximately 450,000 ATMs in the U.S., according to a research report from Capital One Shopping.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n<h2 data-position=\"3\" data-beam-element-viewed=\"\" data-id=\"br-h2-3-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Common ATM transactions\" data-outcome=\"\"><strong>Common ATM transactions<\/strong><\/h2>\n<h3><strong>Withdrawing cash<\/strong><\/h3>\n<p>The most common ATM transaction is the withdrawal of funds from one\u2019s account. Banks set daily ATM withdrawal limits to help prevent fraud and manage cash availability. These limits vary by bank, account, debit card and customer profile.<\/p>\n<p>Some banks publish daily withdrawal limits for certain accounts, while others do not publicly disclose standard limits. Here are examples of several major checking accounts:<\/p>\n<ul class=\"wp-block-list\">\n<li>Ally Spending Account: Up to $1,010 per day<\/li>\n<li>Capital One 360 Checking: Up to $2,000 per day<\/li>\n<li>Chase Total Checking: Not publicly disclosed; varies by customer and account type<\/li>\n<li>Bank of America Advantage Plus Checking: Not publicly disclosed; varies by customer and account type<\/li>\n<\/ul>\n<p>Check with your bank to confirm your specific daily withdrawal limit.<\/p>\n<h3><strong>Depositing money<\/strong><\/h3>\n<p>Account holders can often use an ATM to deposit cash or checks. Cash deposits at your bank\u2019s ATM may be available the same or next business day, depending on the bank\u2019s policies and cutoff times. Check deposits, however, are generally not available immediately. If you deposit a check at your own bank\u2019s ATM, it may take up to two business days for the check to clear, while deposits made at another bank\u2019s ATM may take even longer.<\/p>\n<h3><strong>Transferring funds<\/strong><\/h3>\n<p>You may be able to use an ATM to transfer money between accounts you hold with your bank. For instance, you can often select the \u201ctransfer\u201d option at the ATM if you wish to transfer $200 from your savings account to your checking account. Transferring funds between accounts is also something you can do on\u00a0your bank\u2019s mobile app or website.<\/p>\n<h3><strong>Balance inquiries<\/strong><\/h3>\n<p>You can also visit an ATM to view your current account balance. This feature may come in handy if you wish to know how much you\u2019re able to spend when using your debit card or writing a check. You can also view your bank balance by logging onto your bank\u2019s mobile app or website. Knowing your balance can help you avoid overspending or overdrawing your account.<\/p>\n<h2 data-position=\"4\" data-beam-element-viewed=\"\" data-id=\"br-h2-4-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"How to use an ATM\" data-outcome=\"\"><strong>How to use an ATM<\/strong><\/h2>\n<p>The steps you\u2019ll take once you find an ATM will depend on the type of transaction you want to do. But below is a general guide for withdrawing or depositing cash.\u00a0<\/p>\n<ol class=\"wp-block-list\">\n<li>Insert your bank card into the ATM.\u00a0<\/li>\n<li>Enter your personal identification number (PIN).<\/li>\n<li>Select the account you want to make the deposit into or withdraw from.<\/li>\n<li>Select the amount you want to withdraw or how you\u2019re depositing money (cash or check)\u00a0<\/li>\n<li>If you\u2019re withdrawing from an out-of-network, you may need to confirm you\u2019re willing to pay a fee. If you\u2019re depositing, put the cash or check into the machine.<\/li>\n<li>Confirm the transaction.<\/li>\n<li>Remove your bank card and, if you\u2019re withdrawing, take the cash.\u00a0<\/li>\n<\/ol>\n<h2 data-position=\"5\" data-beam-element-viewed=\"\" data-id=\"br-h2-5-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"What to watch out for with ATMs\" data-outcome=\"\"><strong>What to watch out for with ATMs<\/strong><\/h2>\n<p><strong>ATM fees<\/strong>: Using an ATM outside of your bank\u2019s network often means paying fees to both the ATM owner and your own bank. In 2025, the average total ATM fees were $4.86, according to Bankrate\u2019s most recent ATM fee study \u2014 an increase from $4.77 the year before. Ways to avoid ATM fees include only using ATMs in your bank\u2019s network and requesting cash back when you make purchases at a retailer.<\/p>\n<p><strong>Location and safety: <\/strong>To stay safe at ATMs, choose well-lit, public locations and cover your PIN as you enter it. Count your cash in private, and consider using cardless transactions or mobile payments like Google Pay or Apple Pay to reduce the risk of ATM skimming. Skimming devices can steal card data, so minimizing physical card use helps keep you safe.<\/p>\n<h2 data-position=\"6\" data-beam-element-viewed=\"\" data-id=\"br-h2-6-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Bottom line\" data-outcome=\"\"><strong>Bottom line<\/strong><\/h2>\n<p>ATMs provide access to cash on a 24\/7 basis, without the need to see a teller or other bank representative. They also allow you to deposit funds, check your balance and transfer money between accounts. Once you understand withdrawal limits and how to avoid out-of-network fees, ATMs can be a quick and convenient way to manage your money.<\/p>\n<div class=\"HelpfulCTA mx-auto flex flex-col items-center gap-6 my-6 py-12 text-base border-y border-gray-200\" data-helpful-cta=\"\" data-beam-element-viewed=\"\" id=\"did-you-find-this-helpful\" data-type=\"cta\" data-location=\"article-bottom\" data-position=\"banner\" data-text=\"Did you find this page helpful?\">\n<div class=\"HelpfulCTA-initial w-full flex flex-col items-center gap-4\" data-cta-initial=\"\">\n<div class=\"HelpfulCTA-question text-lg font-bold text-center text-gray-900\">\n            Did you find this page helpful?<\/p>\n<div id=\"vcW96khbvB\" class=\"hidden\">\n<div class=\"wysiwyg wysiwyg--sm wysiwyg--flush max-w-xs\">\n<p class=\"mb-6 text-base\">\n                            <strong class=\"block font-bold text-gray-900\">Why we ask for feedback<\/strong><br \/>\n                            Your feedback helps us improve our content and services. It takes less than a minute to<br \/>\n                            complete.\n                        <\/p>\n<p>Your responses are anonymous and will only be used for improving our website.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p>Help us improve our content<\/p>\n<div class=\"HelpfulCTA-actions flex gap-4 mt-2\">\n            <button type=\"button\" class=\"HelpfulCTA-btn HelpfulCTA-btn--yes border border-2 border-blue-600 text-blue-600 rounded px-6 py-2 transition font-semibold flex items-center gap-2 hover:bg-blue-50\" data-cta-yes=\"\" data-beam-element-clicked=\"\" id=\"did-you-find-this-helpful-yes\" data-type=\"button\" data-location=\"article-bottom\" data-position=\"banner\" data-text=\"Yes\" data-outcome=\"response submitted\"><br \/>\n                <span class=\"Icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Thumbs Up Icon<\/title><path d=\"M13.165 2.175c.322 0 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0-.323.322c-.075.15-.075.603-.075 1.226v7.68c0 .623 0 1.075.075 1.226.075.14.183.247.323.322.15.075.603.075 1.228.075h.16c.625 0 1.078 0 1.228-.075a.778.778 0 0 0 .324-.322c.075-.151.075-.603.075-1.227V5.423c0-.623 0-1.076-.075-1.226a.722.722 0 0 0-.324-.322c-.15-.076-.603-.076-1.227-.076h-.161Z\" class=\"icon-base\"\/><\/svg><\/span> <span class=\"text-base leading-4\">No<\/span><br \/>\n            <\/button>\n        <\/div>\n<\/p><\/div>\n<p>    <!-- Yes Form --><\/p>\n<p>    <!-- No Form --><\/p>\n<div class=\"HelpfulCTA-thankyou flex flex-col items-center gap-2\" data-cta-thankyou=\"\" style=\"display:none;\">\n<p>Thank you for your<br \/>\n            feedback!<\/p>\n<p>Your input helps us improve our<br \/>\n            content and services.<\/p>\n<\/p><\/div>\n<\/div><\/div>\n<p>Read the full article <a href=\"https:\/\/www.bankrate.com\/banking\/what-is-an-atm\/\" target=\"_blank\" rel=\"noopener\" rel=\"nofollow\">here<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>ATMs are a convenient way for people to quickly access their bank accounts. Many ATMs are conveniently accessible any time of day or night and can be used for everything from withdrawing or depositing money to checking your account balance to transferring money between accounts, without visiting a branch. Here\u2019s everything you need to know<\/p>\n","protected":false},"author":1,"featured_media":23495,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[58],"tags":[],"class_list":{"0":"post-23494","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-homes"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Automated Teller Machine (ATM): What It Is And How To Use One | BudgetADirect<\/title>\n<meta name=\"description\" content=\"ATMs are a convenient way for people to quickly access their bank accounts. 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