ATM

ATM stands for “automated teller machine,” and you will see them in grocery stores, shopping malls and, most frequently, outside the bank or credit union building. There are ATMs you walk up to use, and some you drive up to in a car.

On an ATM, you can:

  • Make a deposit
  • Take money out (withdrawal)
  • Check your balance
  • Transfer money between your checking and savings account
  • Buy stamps (not all locations)

Language Assist:

Bank of America
All Bank of America ATMs provide language instruction in: Spanish, Chinese, Korean, French, Russian and Portuguese

Wells Fargo
All Wells Fargo ATMs provide language instruction in Chinese, French, Hmong, Korean, Russian, Spanish, Vietnamese

Debit/ATM Cards

You can use two types of cards in the ATM, one is a debit card and the other is an ATM-only card.

  • A debit card can be used to get money from an ATM—if you have money in your account—and it can be used to make purchases. 
  • An ATM card is only useful for getting money from an ATM and cannot be used to make purchases.
  • Both cards have a dark magnetic stripe on the back, above a white signature area. Be careful not to set your card down where it can be de-magnetized, such as some scanners at grocery stores, etc.
  • You should always sign your ATM, debit and credit cards, either with your name or write "Check ID". The clerk should ask for your ID (driver's license or other form of state or federal identification) to make sure the names match. This is a way to keep someone from stealing and using your card.  

The debit card is the more useful card. The bank or credit union will tell you if you qualify for a debit card when you open your account. But the ATM card is still useful to get cash. When you receive your card you will be given a 4-digit number, call a PIN (personal identification number). This is important to memorize because you will need to use this number every time you want to use your debit or ATM card. Do not write the number on the card, because if you lose it, someone could take money from your account.

How to use an ATM

In all situations, be careful and alert when using an ATM. If it is night, try to use a machine inside or in a well-lit location. You want to be careful that no one else can see your PIN when you enter it.

  1. On each ATM there will be a picture showing which way the card needs to be facing when you are inserting it.
  2. Insert the card- the machine may take the card, or you may have to just run it through a scanner. You will see a screen asking which language you wish to use. Choose your language.
  3. Choose what transaction you want to do; for example, withdrawal, deposit, check to see how much money you have in your account.

For deposit:

Before you get in line:
If you are depositing a check, sign the check on the back. There are lines at one end of the check showing where you should sign. You may want to write below that "for deposit only".

You will need to use the deposit envelope provided at the ATM. NEVER place the check in the ATM unless it's in one of the deposit envelopes!  Each bank has different envelopes, but generally you will be asked to write your name and account number on the outside of the envelope. Many banks also ask that you include a deposit slip in the envelope with the check. Deposit slips are found at the back of the checkbook you may receive from the bank. 

  1. Insert your ATM card
  2. Put in your PIN number
  3. Choose "deposit"
  4. Choose which account (savings or checking) you want the deposit to go in to. 
  5. If asked, enter the amount you are depositing.
  6. Insert the envelope into the machine- there will probably be a flashing light showing you where it should go.
  7. Be sure the envelope has gone in and your session has ended before you walk away!

For withdrawal:

  1. Insert your ATM card
  2. Put in your PIN number
  3. Choose what type of withdrawal you want to do- some ATMs have options for a Fast Cash withdrawal (a set amount), then other amounts, usually in increments of twenty dollars. 
  4. Choose if you wish to have a receipt, which will show how much you still have in that account.
  5. There may be a slight delay, but the machine will dispense the money- there will often be a flashing light showing you where the money can be taken.
  6. Take your cash and receipt, if appropriate.

ATM

ATM stands for “automated teller machine,” and you will see them in grocery stores, shopping malls and, most frequently, outside the bank or credit union building. There are ATMs you walk up to use, and some you drive up to in a car.

On an ATM, you can:

  • Make a deposit
  • Take money out (withdrawal)
  • Check your balance
  • Transfer money between your checking and savings account
  • Buy stamps (not all locations)

Language Assist:

Bank of America
All Bank of America ATMs provide language instruction in: Spanish, Chinese, Korean, French, Russian and Portuguese

Wells Fargo
All Wells Fargo ATMs provide language instruction in Chinese, French, Hmong, Korean, Russian, Spanish, Vietnamese

Debit/ATM Cards

You can use two types of cards in the ATM, one is a debit card and the other is an ATM-only card.

  • A debit card can be used to get money from an ATM—if you have money in your account—and it can be used to make purchases. 
  • An ATM card is only useful for getting money from an ATM and cannot be used to make purchases.
  • Both cards have a dark magnetic stripe on the back, above a white signature area. Be careful not to set your card down where it can be de-magnetized, such as some scanners at grocery stores, etc.
  • You should always sign your ATM, debit and credit cards, either with your name or write "Check ID". The clerk should ask for your ID (driver's license or other form of state or federal identification) to make sure the names match. This is a way to keep someone from stealing and using your card.  

The debit card is the more useful card. The bank or credit union will tell you if you qualify for a debit card when you open your account. But the ATM card is still useful to get cash. When you receive your card you will be given a 4-digit number, call a PIN (personal identification number). This is important to memorize because you will need to use this number every time you want to use your debit or ATM card. Do not write the number on the card, because if you lose it, someone could take money from your account.

How to use an ATM

In all situations, be careful and alert when using an ATM. If it is night, try to use a machine inside or in a well-lit location. You want to be careful that no one else can see your PIN when you enter it.

  1. On each ATM there will be a picture showing which way the card needs to be facing when you are inserting it.
  2. Insert the card- the machine may take the card, or you may have to just run it through a scanner. You will see a screen asking which language you wish to use. Choose your language.
  3. Choose what transaction you want to do; for example, withdrawal, deposit, check to see how much money you have in your account.

For deposit:

Before you get in line:
If you are depositing a check, sign the check on the back. There are lines at one end of the check showing where you should sign. You may want to write below that "for deposit only".

You will need to use the deposit envelope provided at the ATM. NEVER place the check in the ATM unless it's in one of the deposit envelopes!  Each bank has different envelopes, but generally you will be asked to write your name and account number on the outside of the envelope. Many banks also ask that you include a deposit slip in the envelope with the check. Deposit slips are found at the back of the checkbook you may receive from the bank. 

  1. Insert your ATM card
  2. Put in your PIN number
  3. Choose "deposit"
  4. Choose which account (savings or checking) you want the deposit to go in to. 
  5. If asked, enter the amount you are depositing.
  6. Insert the envelope into the machine- there will probably be a flashing light showing you where it should go.
  7. Be sure the envelope has gone in and your session has ended before you walk away!

For withdrawal:

  1. Insert your ATM card
  2. Put in your PIN number
  3. Choose what type of withdrawal you want to do- some ATMs have options for a Fast Cash withdrawal (a set amount), then other amounts, usually in increments of twenty dollars. 
  4. Choose if you wish to have a receipt, which will show how much you still have in that account.
  5. There may be a slight delay, but the machine will dispense the money- there will often be a flashing light showing you where the money can be taken.
  6. Take your cash and receipt, if appropriate.