The basic steps to withdraw cash from an ATM

Using an ATM is straightforward once you know the order of steps. Insert your debit card into the slot, enter your PIN (the four-digit code you chose when you opened your account), select "Withdraw," choose your amount, and take your card and cash when the machine returns them. The whole process usually takes less than two minutes.

The machine will guide you through each step with on-screen prompts. If you make a mistake — like entering the wrong amount — you can almost always go back to the previous screen and start that step over. If the ATM keeps your card, contact your bank's customer service line right away; they can retrieve it or issue you a replacement.

Key Takeaways

  • Insert your debit card, enter your PIN, select the amount you want, and collect your cash and card in that order.
  • Most ATMs let you withdraw in set amounts like $20, $40, or $100, though some allow you to enter a custom amount.
  • Your bank may charge a fee if you use an ATM that does not belong to your bank, so using your own bank's machines saves money.
  • If an ATM keeps your card or the screen freezes, call your bank's customer service number on the back of your card.

Finding an ATM that belongs to your bank

Using an ATM owned by your own bank is almost always free. Using an ATM owned by a different bank usually costs between $2 and $3 per withdrawal, and that fee comes out of your account. Over time, these fees add up.

To find your bank's ATMs, log into your bank's website or app — most have a locator tool that shows you the nearest machines. You can also call your bank's customer service number and ask where the closest ATM is. If you bank with a large national bank, you will likely find ATMs in grocery stores, pharmacies, and shopping centers. If you bank with a smaller local bank, ATMs may be fewer and farther apart.

What to do if you forget your PIN

If you cannot remember your PIN, the ATM will not let you proceed after three wrong attempts. At that point, the machine will keep your card for security reasons.

Call your bank's customer service number (on the back of your card or on your bank statement) and tell them you forgot your PIN. They will verify your identity by asking you security questions or other information only you would know. Once verified, they can reset your PIN over the phone, or they can mail you a new card with a temporary PIN. Some banks let you reset your PIN through their website or app instead. Ask which option is fastest for your bank.

Understanding ATM withdrawal limits

Most banks set a daily limit on how much cash you can withdraw from an ATM — often $300 to $500, though this varies by bank and account type. This limit protects you if your card is stolen. If you need more cash than your limit allows, you have two options: wait until the next day and withdraw again, or go inside a bank branch during business hours and withdraw from a teller.

Some ATMs also limit how much you can take out in a single transaction. For example, an ATM might only dispense up to $200 at once, even if your daily limit is higher. The machine will tell you its limit before you confirm your withdrawal, so you will know before money leaves your account.

Protecting yourself at the ATM

Before you insert your card, look at the card slot and the keypad. If anything looks loose, cracked, or like it does not belong, do not use that machine. Criminals sometimes attach devices called skimmers to ATMs to steal card information. If something feels wrong, find a different ATM.

When you enter your PIN, cover the keypad with your other hand so nearby people cannot see the numbers. After the machine returns your card and cash, take both when ready and move away from the machine before counting your money. If you are withdrawing a large amount, consider going to a bank branch during business hours instead, where a teller can help you and security is higher.

What happens if the ATM gives you the wrong amount

If you withdraw $100 but the machine only gives you $80, or if it charges your account but does not dispense any cash, contact your bank right away. Most banks have a process to investigate ATM errors, and they will credit your account if the machine made a mistake.

Keep your receipt from the ATM — it shows the date, time, amount, and location. When you call your bank, have this receipt ready. The bank will review the ATM's internal records to see what actually happened. This process usually takes a few business days, but your bank will resolve the error and return any missing money to your account.

Frequently Asked Questions

Can I deposit cash or checks at an ATM?

Some ATMs accept deposits, but not all. Look for a slot labeled "Deposits" on the machine. If your ATM has one, you can insert an envelope with cash or checks, and the money will be added to your account. The bank will verify the amount later and contact you if there is a discrepancy.

What should I do if the ATM screen is frozen or not responding?

If the screen freezes or stops responding, wait 30 seconds. If nothing changes, press the Cancel button or the red X button on the screen. The machine should return your card. If it does not, or if the screen remains frozen, call your bank's customer service number and let them know which ATM you used and what time.

Is it safe to use an ATM at night?

ATMs in well-lit, busy locations are generally safer than those in isolated areas. If possible, use ATMs inside bank branches, grocery stores, or shopping centers rather than standalone machines on dark streets. If you must use an ATM at night, bring someone with you and be aware of your surroundings.

Can I withdraw money from an ATM if I do not have a debit card?

No, you need a debit card to use an ATM. Some banks offer cardless ATM withdrawal through their app, which generates a one-time code you enter instead of swiping a card. Ask your bank whether this option is available on your account.