ATMs make it easy to manage your money on your own time. Whether you need to withdraw cash, transfer funds, or check your balance1, learning how to use an ATM can help you bank more confidently and conveniently.
At First American Bank, our ATMs provide secure, easy access to your accounts whenever you need it.
What Is an ATM?
An ATM or Automated Teller Machine is a self-service banking tool that allows you to complete everyday transactions without visiting a branch. With 24/7 access, ATMs make it simple to withdraw cash, and view checking and savings account balances1 whenever you need.
Below is a simple, beginner-friendly guide to using an ATM safely and effectively:
1. Locate a First American Bank or Surcharge-Free ATM near you
You can find an ATM near you on our website by using the filters to select ATM.
In addition to our branch locations, First American Bank customers have access to more than 55,000 surcharge-free ATMs nationwide through the Allpoint and Presto!2 networks.
Using a surcharge-free ATM can help you avoid unnecessary fees that can add up over time, especially if you withdraw cash regularly. Choosing the right ATM not only saves you money but also gives you greater flexibility to access your funds wherever your day takes you.
2. Insert or Tap Your Card
Insert your card into the machine or tap if contactless is available. Follow the on-screen instructions.
3. Enter Your PIN
Enter your PIN. Shield the keypad with your hand for privacy and never share your PIN with anyone.
4. Select Your Transaction
Choose what you would like to do. Common options include:
- Check your account balance1
- Withdraw cash
- Transfer funds from one account to another
5. Complete Your Transaction
If you’re withdrawing cash, follow the prompts. Enter the amount you want to withdraw, select the account to withdraw it from, and take your cash once it is dispensed. Your bank may limit the amount of money you can withdraw from an ATM.
If you’re checking your balance, follow the on-screen prompts.1
Always double-check your details before you finalize your transaction. This helps prevent errors and ensures your transaction is accurate.
6. Take Your Card and Receipt
Always take your card and receipt before leaving the ATM. Leaving either behind could put your account at risk.
ATM Safety Tips
Using an ATM is simple, but it is important to stay alert. Follow these best practices:
- Choose ATMs in well-lit, secure locations
- Be aware of your surroundings
- Cover the keypad when entering your PIN
- Avoid accepting help from strangers
- If anything looks unusual, cancel the transaction and leave.
Common ATM Fees to Be Aware Of
While ATMs are convenient, some transactions may include fees:
- Out-of-network ATM fees
- Foreign transaction fees for international use
- Balance inquiry fees at certain machines1
Manage Your Money with Confidence
Learning how to use an ATM is an essential part of everyday banking. With First American Bank’s convenient ATM access and secure debit card services, you can handle your finances quickly and confidently.
At First American Bank, we’re here to make your banking experience easy and secure. Explore our network of ATMs or connect with us if you need help with your accounts.
