An ATM or a Debit card is provided by the bank to all the savings and current account holders. An ATM card gives account holders the mobility to carry out transactions from anywhere anytime. However, there are certain restrictions related to the number of transactions, amount withdrawn and location. An ATM card is sent to the account holder at his/her given address or provided at the bank after the account is opened. Debit cards have become a very common tool for carrying out money transactions and it is crucial for everyone to know about their usage.
How to use ATM Card?
Step 1: Go to an ATM and insert an ATM card. Make sure that the ATM card is inserted through the side with the bank logo and chip.
Step 2: Next you will be required to select the language of your choice.
Step 3: Now use the keypad and enter the four-digit PIN. Entering the wrong PIN may block your ATM Card.
Step 4: Now, choose the transaction type from options such as – Withdraw Money, Balance Enquiry, Deposit Money, Bill Pay, and others. To withdraw cash, opt for the Withdraw Money option.
Step 5: Next you will be required to select the account type – current or savings or any other.
Step 6: Enter the amount to withdraw by pressing the keypad and pressing ok/enter. Make sure there is a sufficient balance available in the account.
Step 7: Collect the money and withdrawal receipt which is proof of the transaction as well. It also contains the account balance available after the withdrawal. You may also opt to avoid the printed slip and check your account’s information on the screen or on the SMS sent to you on your registered mobile number.
Step 8: End the session by pressing the cancel/cross button.
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How to Activate ATM Card?
An account holder can activate his / her ATM card by the following ways –
Go to an ATM: The account holder can activate the ATM card by visiting the ATM of the bank he holds an account with. He/she will be required to insert the ATM card & provide the PIN or temporary PIN details and proceed as per the instructions. Some of the banks automatically activate the card as soon as the account holder enters the PIN.
Call Bank’s Customer Care: The account holder can call on the toll-free number of the bank to activate the ATM Card. The toll-free number is given on the ATM card as well on the official website of the bank. An account holder can also get the toll free customer care number on the letter provided with the ATM Card. He/she will be required to provide with all the requested information such as account number, address, registered mobile number and ID proof details as well in order to get the card activated.
Through net banking: Account holder can also log in to activate the ATM Card. All he/she is required to do is just select the ‘activate ATM card’ option after logging in to the net banking portal and enter the security code given on the backside of the card. Most of the banks also allow activation of ATM card via mobile apps as well.
Make a purchase: A few of the banks also allow a customer to use the card at the desired stores, enter the PIN to make a purchase, and activate the ATM Card automatically.
Change ATM Card PIN: In case of temporary ATM card PIN, the customer will be required to visit bank’s ATM and change ATM PIN.