FAQ on ATMs

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

Automated Teller Machine is a computerised machine that provides the customers of banks the facility of accessing their accounts for dispensing cash and to carry out other financial transactions without the need of actually visiting a bank branch.

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

The ATM cards / debit cards, credit cards and prepaid cards(that permit cash withdrawal) can be used at ATMs for various transactions.

3. How can one transact at an ATM?

For transacting at an ATM, the customer insert (swipe) their card in the ATM and enter their Personal Identification Number (PIN).

4. Can these cards be used at any bank ATM in the country?

Yes. The cards issued by banks in India should be enabled for use at any bank ATM within India.

5. What is a Personal Identification Number (PIN)?

PIN is the numeric password for use at the ATM. The PIN is separately mailed/handed over to the customer by the bank while issuing the card. This PIN has to be reset to a new PIN by the customer. Most banks force the customers to change the PIN on the first use.

The PIN number should not be written on the card, card holder etc as in such cases the card can be misused if the card is lost / stolen.

6. What should one do if he forgets PIN or the card is sucked in by the ATM?

The customer may contact the card issuing bank branch and apply for retrieval / issuance of a new card. This procedure is applicable even if the card is sucked in at another bank’s ATM.

7. What should be done if the card is lost / stolen?

The customer may contact the card issuing bank immediately on noticing the loss so as to enable the bank to block such cards.

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