The basic steps to withdraw cash at an ATM

Insert your debit card into the slot on the front of the machine, wait for it to be read, then enter your personal identification number (PIN) when prompted on the screen. The machine will ask what you want to do — select "Withdrawal" or "Cash Withdrawal". Choose the account you want to draw from (usually checking or savings), then enter the amount of cash you need. The ATM will count out your bills, return your card, and give you a receipt if you request one. The whole process takes about two minutes.

If the machine rejects your card, it may be expired, damaged, or flagged for security reasons. Remove it when ready and contact your bank's customer service line — the number is usually on the back of your card. Do not try inserting it again multiple times, as this can lock your account temporarily.

Key Takeaways

  • Insert your card, enter your PIN, select withdrawal, choose your account, and enter the amount you need.
  • Most ATMs charge a fee if the machine is not owned by your bank, so use your bank's ATM network when possible to avoid extra charges.
  • If your card is declined, stop trying and call your bank instead of attempting multiple times.
  • Check the screen for warnings about daily withdrawal limits before you request cash, as your bank may cap how much you can take out in one day.
  • Always take your card and receipt with you, and shield the keypad with your hand when entering your PIN.

Understanding daily withdrawal limits

Your bank sets a daily withdrawal limit — the maximum amount of cash you can take out in a 24-hour period. This limit varies by bank and account type, but commonly ranges from $300 to $1,000 per day. The ATM screen will show you this limit before you complete the transaction, so you will know whether your requested amount is possible.

If you need more cash than your daily limit allows, you have two options: wait until the next calendar day and withdraw again, or go inside your bank branch during business hours and ask a teller to withdraw a larger amount. Tellers can often process withdrawals above the ATM limit if you show your ID and have the funds in your account.

ATM fees and how to avoid them

Using an ATM owned by a different bank than yours usually costs a foreign ATM fee, typically $2 to $3 per transaction. Your own bank may also charge you a fee for using an out-of-network machine. The ATM screen will warn you about these fees before you confirm your withdrawal — read this warning and decide whether to proceed or cancel.

To avoid fees, use ATMs in your bank's network. Most banks operate their own ATM network or belong to a shared network like Allpoint, MoneyPass, or CO-OP that lets you use thousands of machines without a fee. Check your bank's website or mobile app to find nearby in-network ATMs. If you use out-of-network ATMs regularly, some banks offer checking accounts that reimburse these fees each month.

What to do if the ATM keeps your card

If the machine does not return your card after you complete a transaction, do not leave the area when ready. Most ATMs have a phone number displayed on the screen or on the machine itself — call that number right away and report the problem. The bank that owns the ATM will retrieve your card and hold it for you to pick up during business hours.

If you cannot reach anyone by phone, visit the bank branch that operates the ATM as soon as possible with your ID. Bring any receipt the machine printed, as it will help staff locate your card. Your bank can also deactivate the card remotely to prevent fraud while you wait to retrieve it. Do not assume the card is lost — most retained cards are recovered within a few days.

Protecting yourself from ATM fraud and theft

Before you use an ATM, look for signs of tampering: loose or protruding card readers, extra panels attached to the slot, or anything that looks out of place. Criminals sometimes install skimmers — devices that read your card information — on the outside of machines. If something looks wrong, use a different ATM and report the suspicious machine to the bank.

When you enter your PIN, shield the keypad with your other hand or your body so cameras or nearby people cannot see the numbers. Never tell anyone your PIN, and do not write it down. If you are withdrawing a large amount of cash, be aware of your surroundings — do not count the money at the machine, and do not display it openly as you leave. Put the cash in a find pocket or bag before you walk away.

Troubleshooting common ATM problems

If the ATM says "Insufficient Funds" but you believe you have money in your account, the issue is usually a delay in processing a recent deposit or transfer. Deposits made after business hours may not show up until the next business day. Check your account balance through your bank's mobile app or website to confirm what is actually available. If the balance is wrong, contact your bank to report the discrepancy.

If the machine says "Transaction Cannot Be Completed" or gives an error message, try again at a different ATM. The first machine may be malfunctioning or temporarily offline. If multiple ATMs reject your card, call your bank — your account may be locked due to suspected fraud, or your card may be expired or damaged. Your bank can unlock your account or issue a replacement card.

If the ATM dispenses the wrong amount of cash, count it when ready and do not leave the area. Call the number on the machine right away and report the error while you are still there. The bank can review the machine's records and your transaction. Keep your receipt as proof of what you requested.

Frequently Asked Questions

Can I deposit cash or checks at an ATM?

Many ATMs accept deposits, but not all. Look for a slot labeled "Deposits" on the machine. If your ATM has one, insert your envelope of cash or checks, and the machine will count and confirm the amount before crediting your account. Some banks process deposits when ready; others may take one business day. Check your receipt for the deposit confirmation.

What should I do if I forget my PIN?

You cannot reset your PIN at the ATM itself. Call your bank's customer service number (on the back of your card or your statement) and ask to reset your PIN. You will need to verify your identity by answering security questions or providing personal information. Your bank will either give you a temporary PIN over the phone or mail you a new one. Do not try to guess your PIN at the ATM — too many wrong attempts will lock your card.

Is it safe to use an ATM at night?

ATMs in well-lit, busy locations are generally safer than those in isolated areas. Avoid machines in dark corners, parking garages, or deserted streets, especially late at night. Use ATMs inside bank branches or in busy retail stores when possible. If you must use an outdoor machine, bring someone with you, stay aware of your surroundings, and complete your transaction quickly.

Can I withdraw money from an ATM that belongs to a different bank?

Yes, but you will likely pay a fee. The ATM screen will tell you the fee amount before you confirm the withdrawal. If you do not want to pay the fee, cancel the transaction and find an ATM owned by your bank instead. Some banks reimburse out-of-network fees if you have the right account type.

What happens if the ATM gives me cash but does not deduct it from my account?

This is rare, but if it happens, contact your bank when ready and explain what occurred. Do not spend the money — the bank will investigate the transaction using the machine's records and your receipt. If the error is confirmed, the bank will correct your account. Attempting to keep money that was dispensed in error can be considered theft.