How to Use an ATM When Using a Visa Debit Card
The Visa Debit card, also called a check card, offers the convenience of a credit card without the interest and monthly bill. The debit card is like a check; each time you use it, money is immediately removed from your account. You can also use your Visa Debit card at an ATM (Automated Teller Machine) to withdraw cash. Using an ATM machine is simple and easy, even if you haven't used one before.
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Instructions
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Make sure you know your PIN (Personal Identification Number). Your PIN is provided to you when your Visa Debit card is issued. Sometimes, the PIN is a number you choose; other times, it's randomly generated. If you don't know your PIN, you'll be unable to withdraw cash from an ATM. Contact your bank immediately.
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Find an ATM nearby. Ideally, you'll use an ATM located at the card's issuing bank; otherwise, an additional fee may be charged (these fees often range between $1 and $3). However, you can use your Visa Debit card at any ATM. To find a machine near you, see the Resource section for Visa's locater. To find an ATM offered by your bank (no fee), visit your bank's website or call the customer service number on the back of the card.
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Insert, or swipe your Visa Debit card into the ATM's card slot. The screen will immediately request your PIN; enter it using the keypad and press "Enter." If the PIN is properly input, you'll be redirected to the ATM menu. Select "Withdraw" and enter or choose the amount of cash you want. Most ATMs have minimum withdrawal amounts, usually $10 or $20. Your Visa Debit card may also have a daily withdrawal limit, set by the issuing bank. This can range from $300 and up, depending on your bank's policies.
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Wait for your cash to be disbursed. Remove the bills from the automatic feed. Pay attention to the ATM screen; often, it asks if you want to complete another transaction. Choose "No" to exit the menu. If the ATM still has your Visa Debit card, wait for it to eject.
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Tips & Warnings
Don't share you Visa Debit card PIN with anyone else. If someone knows the PIN, he'll be able to withdraw cash from your account.
The amount of cash available for withdrawal is always limited to the amount in your account. In most cases, you'll be unable to withdraw more funds than you have in your account. In other situations, you may be able to (it depends on your bank's policies), but an overdraft fee will likely apply.
