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An automated teller machine ( ATM ), also known as a cash point (which is a trademark of Lloyds TSB), cash machine or sometimes a hole in the wall in British English, is a computerised telecommunications device that provides the clients of a financial institution with access to financial transactions in a public space without the need for a cashier, human clerk or bank teller. ATMs are known by various other names including ATM machine , automated banking machine , and various regional variants derived from trademarks on ATM systems held by particular banks.

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Two NCR Personas 84 ATMs at a bank in Jersey dispensing two types of pound sterling banknotes: Bank of England notes on the left, and States of Jersey notes on the right

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Deposit currency recognition, acceptance, and recycling [61][62] Paying routine bills, fees, and taxes (utilities, phone bills, social security, legal fees, taxes, etc.) Printing bank statements Updating passbooks Loading monetary value into stored value cards Purchasing Postage stamps . Lottery tickets Train tickets Concert tickets Movie tickets Shopping mall gift certificates .

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Games and promotional features Fastloans CRM at the ATM Donating to charities [64] Cheque Processing Module Adding pre-paid cell phone / mobile phone credit. Paying (in full or partially) the credit balance on a card linked to a specific current account .

Advantages and Disadvantages of ATM : 

Advantages and Disadvantages of ATM ATM Advantages ATM supports voice, video and data allowing multimedia and mixed services over a single network. High evolution potential, works with existing, legacy technologies Provides the best multiple service support. Supports delay close to that of dedicated services Supports the broadest range of burstiness , delay olerance and loss performance through the implementation of multiple QoS classes Provides the capability to support both connection-oriented and connectionless traffic using AALs

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Able to use all common physical transmission paths like SONET. Cable can be twisted-pair, coaxial or fiber-optic Ability to connect LAN to WAN Legacy LAN emulation Efficient bandwidth use by statistical multiplexing Scalability Higher aggregate bandwidth High speed Mbps and possibly Gbps

ATM disadvantages : 

ATM disadvantages Flexible to efficiency’s expense, at present, for any one application it is usually possible to find a more optimized technology Cost, although it will decrease with time New customer premises hardware and software are required Competition from other technologies -100 Mbps FDDI, 100 Mbps Ethernet and fast Ethernet Presently the applications that can benefit from ATM such as multimedia are rare The wait, with all the promise of ATM’s capabilities many details are still in the standards process

Overview : 

Overview You can enjoy the following benefits using Barclays Debit/ATM card at our ATMs in India: 24-hour access to cash - Withdraw up to Rs.50, 000/-(Rupees fifty thousand only) per day on your ATM Card and up to Rs. 200,000/- (Rupees two lakh only) on your Debit Card (withdrawal limit depends on the type of debit card issued to you). View Account Balances & Mini-statements - Get details of the last 10 transactions on your account with the mini-statement, along with your balance. Request a Cheque Book / Account Statement (statement for last quarter) Transfer Funds between accounts - You can transfer money between your accounts and to Barclays bank third party accounts. Daily limit for funds transfer is Rs.50000/-(Rupees fifty thousand only).

  ATM Security Tips : 

ATM Security Tips Memorize your Personal Identification Number (PIN). Do not write it down or keep it in your wallet or purse. Please ensure that you do not disclose your PIN to anyone, including bank employees. Please note that Bank staff / officers or the security person at the ATM will never ask you for your PIN, for any reason whatsoever. Never force your card into the card slot in the ATM Machine. Ensure no one gets to see your PIN when you enter it in ATM Follow the instructions on the display screen, e.g. do not key in your PIN until the ATM requests you to do so.

KINDS OF CARDS ACCEPTED AT STATE BANK ATMs: 

KINDS OF CARDS ACCEPTED AT STATE BANK ATMs Besides all cards of State Bank of India, State Bank ATM-Cum-Debit Card and State Bank International ATM-Cum-Debit Cards following cards are also accepted at State Bank ATMs: - 1) State Bank Credit Card 2) Cards issued by other banks  displaying Maestro, Master Card, Cirrus, VISA and VISA Electron logos 3) All Debit/ Credit Cards issued by any bank outside India displaying Maestro, Master Card, Cirrus, VISA and VISA Electron logos

State Bank ATM-cum-Debit (State Bank Cash plus) Card: : 

State Bank ATM-cum-Debit (State Bank Cash plus) Card : India's largest bank is proud to offer you unparalleled convenience viz. State Bank ATM-cum-Debit (Cash Plus) card. With this card, there is no need to carry cash in your wallet. You can now withdraw cash and make purchases anytime you wish to with your ATM-cum-Debit Card. Get an ATM-cum-Debit card with which you can transact for FREE at any of over 21,000 ATMs of State Bank Group within our country.