How to Use an ATM: A Simple Guide for Beginners

Learning to use an ATM doesn’t have to feel complicated. Whether you’re grabbing cash for the weekend, depositing a paycheck, or just checking your balance, ATMs make everyday banking simple and convenient.

If you’re new to using a bank account—or just want to feel more confident at the machine—this guide walks you through every step. You’ll learn how to withdraw money, make deposits, check balances, and use ATMs safely without paying extra fees.

By the end, you’ll know exactly what to expect at the screen, how to avoid common mistakes, and how to protect your money each time you swipe your card.

What Is an ATM and How Does It Work?

An Automated Teller Machine, or ATM, is a self-service banking tool that gives you access to your money anytime. With a debit card and PIN, you can withdraw cash, make deposits, transfer funds, and check account balances without visiting a teller.

There are different types of ATMs. In-network machines are owned by your bank or credit union and usually don’t charge extra fees. Out-of-network or privately owned ATMs often add a usage fee, and your bank may charge one too. Most banks list their fee-free ATMs on their website or mobile app, making it easy to find one nearby.

Step-by-Step Guide to Using an ATM

Using an ATM is simple once you know the process. Here’s how it works:

1. Insert your debit card: Place your card in the slot as shown. Some machines hold it until you’re done, while others give it back right away.
2. Enter your PIN: Type your code on the keypad and cover it with your hand to keep it private.
3. Choose your transaction: Select whether you want to withdraw cash, deposit money, or check your balance.
4. Follow the prompts: For withdrawals, pick the account and amount. For deposits, insert bills or checks when the machine asks.
5. Finish and collect items: Take your cash, card, and receipt if you requested one. Make sure the screen returns to the main menu before leaving.

How to Withdraw Cash from an ATM

Withdrawing money is the most common use of an ATM. Here’s how to do it safely:

• Select your account: After entering your PIN, choose checking or savings as the source of funds.
• Enter the amount: Type in how much cash you want. Most machines dispense in $20 bills, though some also offer $10s or $50s.
• Know your limits: Banks usually set daily withdrawal limits between $300 and $1,000. Going over that amount may require visiting a branch.
• Watch for fees: Out-of-network ATMs often charge $2 to $5 per transaction, and your bank may add its own fee.
• Finish securely: Take your cash and card, then confirm the machine has returned to the main screen before walking away.

How to Deposit Money at an ATM

Many ATMs let you deposit cash or checks straight into your account. The exact process depends on the machine:

• Cash deposits: Insert your bills into the deposit slot when prompted. Some machines count the bills and display the total on screen.
• Check deposits: Depending on the ATM, you may need an envelope or you may insert checks directly for scanning. Follow the instructions on the screen.
• Bank policies: Not all ATMs accept deposits, especially those outside your bank’s network. Even when accepted, funds might not be available right away. Review your bank’s deposit rules so you know when the money will clear.
• Receipts: Always request a receipt for a record of your deposit. It will show the amount and time of the transaction.

How to Check Your Balance at an ATM

Checking your account balance is quick and easy:

• Choose balance inquiry: After inserting your card and PIN, select the balance option from the main menu.
• Pick the account: Decide whether you want to see your checking or savings balance.
• View or print: Some ATMs display the balance on screen, while others give you the option to print a receipt.
• Watch for fees: Using an out-of-network ATM just to check your balance may still trigger a fee. Whenever possible, use your bank’s ATMs or mobile app to avoid charges.

Other ATM Features You Might Use

Modern ATMs can do more than just dispense cash. Depending on your bank, you may find extra options such as:

• Transfer money: Move funds between your checking and savings accounts instantly.
• Pay bills: Some machines let you pay your credit card or utility bills directly from your account.
• Multilingual menus: Many ATMs offer instructions in several languages, making them easier for more people to use.

How to Stay Safe When Using an ATM

Protecting your money starts with smart ATM habits. Here are key safety tips:

• Cover your PIN: Always shield the keypad when entering your code to block prying eyes or hidden cameras.
• Inspect the card reader: Watch for loose parts or anything that looks unusual, which could signal a skimming device.
• Choose safe locations: Use ATMs in well-lit areas or inside stores when possible, especially at night.
• Limit distractions: Stay alert and avoid looking at your phone while completing a transaction.
• Report issues fast: If your card is lost or stolen, contact your bank right away to block unauthorized use. Many banks also let you freeze your card through their mobile app.

Common ATM Problems and How to Handle Them

Most ATM visits are smooth, but problems can happen. Here’s what to do if they do:

• Card is swallowed: If the ATM keeps your card, call the bank’s number posted on the machine or contact your bank immediately.
• Machine runs out of cash: The screen will show an error. Try another nearby ATM, preferably one owned by your bank.
• Transaction error: If the machine doesn’t give you the right amount of cash or fails mid-transaction, save any receipts and call your bank as soon as possible. They can review the transaction and correct your account.

ATM Fees and How to Avoid Them

ATM convenience sometimes comes with extra costs, but there are ways to avoid ATM fees and keep more money in your pocket:

• Use in-network ATMs: Stick to machines owned by your bank or credit union to avoid out-of-network charges.
• Look for partner networks: Some banks belong to nationwide networks that give you free access to thousands of ATMs.
• Get cash back at stores: Many grocery stores and retailers let you withdraw cash when making a purchase with your debit card, often with no fee.
• Check your bank’s app: Most mobile apps include a locator that shows nearby fee-free ATMs.

Final Thoughts

Learning how to use an ATM is a simple skill that gives you quick access to your money. Once you know the basics—how to withdraw cash, make deposits, check balances, and stay safe—you can handle your banking with confidence.

Remember to use your bank’s ATMs whenever possible, keep your PIN private, and stay alert to avoid fees and security risks. With these habits, you’ll be able to use ATMs as a helpful tool for everyday money management.

Frequently Asked Questions

Can you use an ATM without a debit card?

Some banks offer cardless ATM access through their mobile app. You log in, generate a code or QR code, and use that instead of swiping your card. If your bank doesn’t support this, you’ll need your physical debit card.

How much money can you take out of an ATM per day?

Most banks set daily limits between $300 and $1,000 for security reasons. The exact amount depends on your bank and account type. You can often request a higher limit by contacting your bank.

Can you deposit money at any ATM?

Not always. Many ATMs only allow deposits if they belong to your bank or credit union. Out-of-network machines usually only handle withdrawals and balance inquiries.

What should you do if an ATM charges you twice?

If you’re double-charged, keep your receipt and contact your bank right away. Banks can review the transaction and refund the extra charge, but reporting quickly helps speed up the process.

Are ATM receipts safe to throw away?

It’s better to shred them. Receipts may include partial account numbers and transaction details. Shredding them helps protect your personal information from being misused.