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It took me 22 years to know that its Automated Teller Machine. Now a days everybody knows what an ATM is and how useful it is. But for the sake of formality we shall start with the technical definition of ATM. The Automated Teller Machine ATM is a machine which facilitates basic banking activities viz, withdrawal of money, depositing money and checking of ones own balances etc.
ATM does most of the functions of cashier in the bank. This plastic ATM Card is replacing cheque, personal attendance of the customer, banking hours and bank holidays restriction and paper based verification.
This has helped to introduce ATMs. ATMs are established in important places by the authorized bank in cities and important towns. Banks in India realized the need for ATM-interchange deals to keep their overheads under check. The essential difference between the Credit Card and ATM Card is that the former offers credit facility as the name suggests, whereas the latter in a networked environment allows the occupant of the cardholder to be directly debited.
Round the Clock Services: ATM provides banking services to its customers round the clock, 24 hours a day, 7 days a week and days a year. Access to bank from any part of the world: Essential banking services like deposits, withdrawals transfer of funds, etc can be accessed by customers from any part of the world.
Expansion of Services to any corner of the world: Of the Banks can expand their services to any corner of the world by providing electronic access to its customers.
Reduction in cost of operation: This reduces human intervention and thereby reduces the cost of operations and increases profitability of banks. Now a days almost every shopping mall, restaurant and other organizations are accepting credit card payments.
Cannot be provided in rural areas: In a country like India, where banks are having large number of rural and non-computerized branches, ATM services cannot be provided.
Even if banks make some efforts to introduce ATM services country side, various constraints like illiteracy, security concern, etc. Limitation of cash withdrawals: Again there is a limitation of cash withdrawals from ATM. For example, many banks do not permit withdrawal of more than 25, at a time.
Cash deposit facility is not safe: Similarly cash deposit facility is restricted and not safe as dropping of envelope with can in ATM is not advisable.
Possibility of misusing ATM card: ATM card, if misplaced, lost or stolen, may be misused. There are number of such reported incidences now a days. Loss of personnel touch with the Banks: Last but not the least, customers lose personal touch with their bankers. The ATM usage in India is growing very fast, i.Find helpful customer reviews and review ratings for Best Naturals Acetyl L-Carnitine mg Capsule, 60 Count at srmvision.com Read honest and unbiased product reviews from our users.
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