Q.1 What is an Automated Teller Machine (ATM)?
Automated Teller Machine is a computerized machine that provides the customers of banks the facility
of accessing their accounts for dispensing cash and to carry out other financial transactions without the
need of actually visiting a bank branch.
Q.2 What type of cards can be used at an ATM?
The ATM cards / debit cards (that permit cash withdrawal) can be used at ATMs for various
Q.3 How can one transact at an ATM?
For transacting at an ATM, the customer insert (swipe) their card in the ATM and enter their Personal
Identification Number (PIN).
Q.4 What is a Personal Identification Number (PIN)?
PIN is the numeric password for use at the ATM. The PIN is separately mailed / handed over to the
customer by the Bank while issuing the card. This PIN has to be reset to a new PIN by the customer. It
is desirable to change the PIN on the first use.
The PIN number should not be written on the card, card-holder etc. as in such cases the card can be
misused if card is lost / stolen.
Q.5 What should one do if he forgets PIN or the card is sucked in by the ATM?
The customer may contact the card issuing branch and apply for retrieval / issuance of a new card. This
procedure is applicable even if the card is sucked in at bank’s ATM.
Q.6 What should be done if the card is lost / stolen?
The customer may contact the card issuing branch immediately on noticing the loss so as to enable the
bank to block such cards.
Q.7 Is there any minimum and maximum cash withdrawal limit per day?
Yes. Banks set limit for cash withdrawal by customers. The cash withdrawal limit for use at the ATM of
the issuing bank is set by the bank during the issuance of the card. This limit is displayed at the
respective ATM locations and also in user guide provided to the customer.
For cash withdrawal at ATMs, banks have decided to maintain a limit of `.25000/- per transaction. This
information is displayed at the ATM location.
Q.9 What should be done in case during the cash withdrawal process, cash is not disbursed but
the account debited for the amount?
The customer may lodge a complaint with the card issuing branch.. This process is applicable even if
the transaction was carried out at another branch..
Q.10 How many days maximum would the bank requires to re-credit the account for such wrong
As per the RBI instructions, banks may re-credit such wrongly debited amounts within a maximum
period of -7- working days, from the date of customer complain.