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You must have seen an ATM. These days people go to the ATM to withdraw money. In ATM, one inserts a card, punches in some numbers and viola! money comes out. Automated Teller Machine (ATM) allows one to do simple banking transactions, usually 24 hours a day. It includes depositing money, withdrawing money or checking  the balance of your account. It is also popularly called Any Time Money. This article talks about what is Teller? What is ATM? Explains ATM Card, How to use ATM Machine?


Who is a Teller A bank teller is a member of the staff of a bank who deals directly with the people visiting bank. Among the responsibilities of tellers are cashing checks, accepting deposits and loan payments, and processing withdrawals. The teller is the worker most people associate with their bank. ATM does similar operations, so it is called as Automated/Automatic Teller machine.

About Bank Teller

ATM Card

To use an ATM, one needs to have an account in the bank. The bank issues an ATM card. An ATM card is a plastic card that looks like a credit card. It allows you to do the same things at a bank machine or Automatic Teller Machine (ATM) as you would at a bank. You can withdraw cash, deposit money, check account balances, and receive a copy of your statement–all electronically–by using your ATM card and the password to your account, which is called Personal Identification Number, or PIN.To know more about the card

ATM cards are typically about 86 X 54 mm, i.e. ISO/IEC 7810 ID-1 size. Unlike a debit card, for in-store purchases ATM cards cannot be used at merchants that only accept credit cards. ATM cards and debit cards are combined into a single card called a ATM-cum-debit card or also commonly called a bank card. These are able to perform banking tasks at ATMs and also make point-of-sale transactions, both functions using a PIN.

ATM Card

Let’s get familiar with your card

Front of ATM Card

Name : Name of the person authorised to use ATM card.
Card Number: This is a unique 16-digit number embossed on card.
Validity: Card is valid for use from the day one receives it till the last day of the month / year (MM/YY) indicated in the card
Visa Logo/Master Card Logo and 3D hologram for Card acceptance & security.

Reverse of the ATM card

Reverse of ATM Card

Signature Panel: One signature on this panel.
Contact information / Help line Numbers. 
Magnetic stripe: The most important and secured part of the Debit card.

Three Tracks of Magnetic Stripe

The Magnetic stripe is stripe on the back of an ATM card is a magnetic stripe, often called amagstripe. The magstripe is made up of tiny iron-based magnetic particles in a plastic-like film. The magstripe can be “written” because the tiny bar magnets can be magnetized in either a North or South Pole direction.

The magnetic stripe card has three tracks, called, tracks one, two and three. Track one can contain up to 79 alpha numeric characters, while tracks two and three can contain up to 40 and 107 numeric characters respectively. Track one usually contains the card holder’s name, and the card number, along with other bank-specific information Track two contains the card number, the expiry date, and some other bank-specific information.. Track three is bank-specific. To know more about the magnetic strip Click here or here

ATM machine

ATM machine is like a computer. Just as a computer has keyboard as input device and monitor as output device, an ATM has two input devices – Card reader and Keypad and output devices such as Display Screen, Receipt printer and Cash Dispenser as shown in the image below

ATM machine

Various parts of ATM machine are:

  • Card reader – The card reader reads the account information stored on the magnetic stripe on the back of an ATM card. This information is used to find the cardholder’s bank.
  • Keypad – The keypad lets the cardholder tell the bank what kind of transaction is required (cash withdrawal, balance inquiry, etc.) and for what amount.
  • Display screen – The display screen prompts the cardholder through each step of the transaction process.
  • Receipt printer – The receipt printer provides the cardholder with a paper receipt of the transaction.
  • Cash dispenser It dispenses or gives out cash. On withdrawing money; the cash comes out from this cash dispenser.

How to use ATM machine

This explains how to use ATM machine.

How to use an ATM machine?

Follow the directions on the screen. Not all ATMs work the same way but are similar. For demo of ATM machine Click here

Step 1 : Insert Card

ATM Insert card

Step 1: Insert Card

Insert the ATM Card in the slot in front of the machine. Check out the picture of front of the machine to see which way the card has to be inserted. The machine will read the card and you may be asked to select the language you want to use.

Step 2 : Enter PIN

Use Keypad to enter your 4 digit Personal Identification Number (PIN). Your pin should be secret. If anyone else knows it, he can misuse your card and PIN. As you press the keypad, the numbers will come on screen as *. This is for your safety so that no one comes to know your PIN.  After entering the PIN Press Enter

Step 2: Enter PIN

Step 3 : Choose Type of Transaction

Display Screen will show various options such as-Withdraw Money, Deposit Money, Balance Enquiry, Bill Pay etc. In this ATM machine, there are just 3 options. Let’s say We choose :Withdraw Money as we want to take out money. So, click on the arrow next to –Withdraw Money.

Step 3: Choose transaction

Step 4 : Choose Type of Account

Display screen then shows various types of account. As we are drawing money from Savings account, click on the arrow next to select Savings.

Step 5 : Choose amount of money

Select the amount of money you wish to withdraw by clicking the arrow next to amount. Say, we wish to withdraw Rs 100.

Select amount

Step 6 : Take out the money

Please remove the cash from cash dispenser. The cash-dispensing mechanism has an electric eye that counts each bill as it exits the dispenser. The bill count and all of the information pertaining to a particular transaction is recorded. Besides the electric eye that counts each bill, the cash-dispensing mechanism also has a sensor that evaluates the thickness of each bill. If two bills are stuck together, then instead of being dispensed to the cardholder they are diverted to a reject bin. The same thing happens with a bill that is excessively worn, torn, or folded.

Take out cash from cash dispenser

he Display Screen then would ask you if you would like to take a receipt. One should take the receipt as it is a proof that you withdrew money. Click on the button next to Receipt

Collect Receipt

Step 7: More transactions

ATM machine would ask if you would like another transaction. If you want to use ATM for more transactions, click Yes Else click on No. Do not forget to remove your card. 

More transactions

For demo of ATM machine Click here


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