Should you use the Automated Teller Machine, aka ATM?

Use an ATM card for convenience. Use it to get money when you need it. Use it to deposit money so it earns interest for you. Use it to stay informed of where your money is by looking at the balance in your accounts. Finally, use it for what I think is the biggest advantage of all, to save time. You can use it 24 hours a day, 7 days a week, and avoid standing in bank lines.

If you realize that you can't put a nail in a piece of wood without making a hole, you will recognize that there may be side effects or potential hazards by using this card. First of all, be sure that you are not incurring charges or fees for using this service. Check with the rules and regulations of the institution issuing the card. Most banks will not charge you if you use the ATM machines at their branches. So, plan ahead, and try not to violate this unless there is an emergency need for immediate cash.

Second, be sure that you are not using this card as a debit card. Do not use this card for purchasing gasoline, groceries or anything else. ONLY USE THIS CARD FOR BANKING SERVICES such as depositing, withdrawing and transferring money.

One last word of caution, regarding the use of the ATM machine. BE CAREFUL!, do not use a machine that is located in an area that is not well lighted. Look around you, to be sure that there is nobody watching, and waiting, for you to walk away with cash in your hand. This is a very negative thought...but realistic. It is a definite disadvantage to using the machines, so exercise caution so that you may enjoy all of the conveniences.