The easiest way to get cash from your bank account or even your credit card is to use an atm money machine. Most banks have at least one atm on their property, and there are also freestanding atms located at many other places, including grocery stores, restaurants and gas stations. These machines have made it easy to keep most of your money safely deposited in your bank. You can even use the atm in order to deposit checks or cash into your account.
Any time you open a checking or savings account, you will be provided with an atm card. This card will have an account number on it, as well as an expiration date. The bank will ask you to select a Personal Identification Number (PIN). You will need this PIN any time you want to take money out of an atm money machine, or deposit money into it. Simply insert the atm card into the slot. You will be asked for your PIN number, and then the screen on the machine will ask you what type of transaction you would like to complete. You can select withdrawal, deposit, or other functions such as transfer money or get a statement.
Once you complete your transaction, you will get a receipt and the atm money machine will return your atm card to you. You will need to check with your bank to find out how soon deposits are credited to your account when you use the atm to deposit money. Some banks will credit your account immediately, and other institutions will hold all or part of the deposit for anywhere from one day to five.
Most banking customers are now comfortable using atm money machines. Using these atms has also helped the banking industry, because it means banking staff needs to spend less time processing simple transactions for customers. You no longer need to go into the bank to get money out of your account, or make an easy deposit. This helps your banking tellers to spend their time on more complicated banking matters. Just remember to keep your atm card safe, and do not leave your PIN where others can find it!