Insert your card and enter your PIN

Walk up to the ATM and insert your debit card into the slot marked for cards. The machine will prompt you to enter your personal identification number (PIN)—the four-digit code you created when you opened your account or set up your card. Use the keypad to type it in. If you enter the wrong PIN three times in a row, the machine will keep your card and you'll need to contact your bank to retrieve it.

If you don't have a PIN yet, call your bank's customer service number on the back of your card or visit a branch to set one up before using an ATM. Some banks let you set a PIN online through their website or app.

Key Takeaways

  • Insert your card, enter your PIN, and select your transaction type—most ATMs offer cash withdrawal, balance checks, and deposits.
  • Withdraw only what you need; ATMs charge a fee if the machine belongs to a different bank than yours, usually $2 to $3 per transaction.
  • Take your card and receipt before you leave, and never share your PIN with anyone, including bank employees.
  • If the ATM keeps your card or the machine malfunctions, contact your bank immediately—they can cancel the card and issue a replacement.

Select your transaction type

After you enter your PIN, the ATM screen will show a menu of options. The most common are withdrawal (taking cash out), balance inquiry (checking how much money is in your account), and deposit (putting cash or checks in). Some ATMs also let you transfer money between your own accounts or change your PIN.

Tap the option you want on the screen or press the number key next to it. The machine will then guide you through the next steps specific to that transaction.

Withdraw cash or complete your transaction

If you chose withdrawal, the screen will ask you how much cash you want. Enter the amount using the keypad. Most ATMs dispense cash in standard amounts—$20, $40, $60, $100—but some newer machines let you choose any amount. The machine will show you the amount before you confirm it.

For deposits, the ATM will tell you whether it accepts cash, checks, or both. If it takes checks, insert them one at a time into the slot. For cash deposits, some machines count the bills automatically; others require you to put them in an envelope first. Follow the on-screen instructions for your specific machine.

Collect your card, cash, and receipt

After your transaction completes, the ATM will return your card first. Take it immediately—if you leave it in the machine, it will be kept for security reasons. Next, collect your cash from the dispenser slot. Count it before you walk away to make sure the amount is correct.

The machine will also print a receipt showing the transaction details, date, time, and your new balance. Take the receipt. You'll need it if there's a problem with the transaction or if you want to track your spending. If the machine doesn't print a receipt, your bank can usually send you one by email or through your online account.

Understand ATM fees and surcharges

If you use an ATM owned by your own bank, there is usually no fee. If you use an ATM owned by a different bank—called an out-of-network ATM—you will typically pay a surcharge of $2 to $3 per transaction. Some banks charge their own fee on top of the ATM operator's fee, so you could pay $4 to $5 total for a single withdrawal.

To avoid fees, use your bank's ATM network whenever possible. Most banks have ATMs at their branches and at partner locations. You can find your bank's ATM locator on their website or app. If you travel frequently or live far from a branch, consider choosing a bank with a large ATM network or one that reimburses out-of-network fees.

What to do if something goes wrong

If the ATM keeps your card, don't panic. Call your bank's customer service number on the back of your card (or from another phone if you don't have it memorized). Tell them the ATM location and time. Your bank will cancel that card to prevent fraud and mail you a replacement, usually within 5 to 10 business days. In the meantime, you can withdraw cash at a branch or use a temporary card if your bank offers one.

If the machine takes your money but doesn't dispense it, or if you notice a discrepancy in your balance, contact your bank within 24 hours. Provide the transaction receipt, the ATM location, date, and time. Your bank will investigate and credit your account if the error is confirmed. Most banks complete ATM disputes within 10 business days.

Security tips when using an ATM

Never share your PIN with anyone—not a bank employee, not a family member, not a friend. Your bank will never ask for your PIN by phone, email, or text. If someone asks for it, hang up or report the contact to your bank immediately.

Use ATMs in well-lit, populated areas, especially at night. Cover the keypad with your hand while entering your PIN so cameras or people nearby can't see it. Check the card slot and cash dispenser for loose parts or skimming devices before you insert your card. If something looks wrong, use a different ATM and report it to your bank.

Frequently Asked Questions

Can I withdraw money from an ATM if I don't have a debit card?

Most ATMs require a debit card, but some banks offer cardless ATM withdrawal through their mobile app. You'll generate a one-time code in the app, enter it at the ATM, and withdraw cash without inserting a card. Check your bank's app to see if this option is available.

What's the maximum amount I can withdraw from an ATM in one day?

Daily withdrawal limits vary by bank and account type, typically ranging from $300 to $1,000 per day. Check your bank's website or call customer service to find your specific limit. If you need more cash, you can withdraw again the next day or visit a branch.

Why did the ATM decline my card?

Common reasons include an incorrect PIN, insufficient funds, a frozen account, or a card that's expired or damaged. If your card is damaged, visit a branch to get a replacement. If your account is frozen, call your bank to find out why and how to unfreeze it.

Can I deposit a check at any ATM?

Not all ATMs accept deposits, and not all that do accept checks. Use your bank's ATM locator to find machines that offer check deposits. Some banks limit check deposits to their own ATMs; others let you deposit at partner ATMs in their network.

Is it safe to use an ATM late at night?

ATMs are generally safe, but use common sense: choose machines in well-lit areas with people nearby, be aware of your surroundings, and complete your transaction quickly. If you feel unsafe, go to a different ATM or visit your bank during business hours instead.