Card RetentionIssue: Your ATM card gets stuck in the machine, and the machine doesn't return it.
Solution: If your card is retained by the ATM, don't panic. Most often, this occurs due to security measures triggered by incorrect PIN entries or card issues. Here's what you should do:
• Remain calm and don't leave the ATM.
• Contact your bank's customer service immediately to report the issue.
• Your bank will guide you on card retrieval or reissuing a new card, depending on the situation.
Incorrect PINIssue: You forget your Personal Identification Number (PIN) or enter it incorrectly.
Solution: Entering an incorrect PIN can happen to anyone. Here's how to handle it:
• Do not attempt multiple incorrect PINs, as this may lead to your card being blocked.
• Contact your bank's customer service or visit a nearby branch to reset your PIN or retrieve it following their specific procedure.
Cash Not DispensedIssue: The ATM deducts the amount from your account but doesn't dispense cash.
Solution: This situation can be frustrating, but there are steps you can take:
• Check your account statement or mobile banking app to confirm if the deducted amount reflects on your account.
• If the transaction is confirmed but no cash was dispensed, contact your bank immediately to report the issue.
• Your bank will investigate and, if necessary, refund the amount.
Transaction Timeout or Error MessagesIssue: You receive a timeout error or an error message during the transaction.
Solution: Transaction errors can occur for various reasons, including network issues or temporary glitches. Here's what to do: • Wait for a moment to see if the issue resolves itself. Sometimes, it's a temporary glitch. • If the error persists, cancel the transaction and check your account to ensure you haven't been charged. • If you've been charged without receiving the requested funds, contact your bank to report the issue for resolution.
Insufficient FundsIssue: The ATM displays an "insufficient funds" message even if you believe you have enough balance.
Solution: This situation may arise due to several reasons, such as pending transactions or account restrictions. Here's how to address it:
• Check your account balance using your bank's mobile app or online banking.
• Verify if there are any pending transactions or holds on your account that are affecting your available balance.
• If you believe the message is in error, contact your bank's customer service for assistance.
ATM FeesIssue: You are charged additional fees for using an ATM that is not in your bank's network.
Solution: Avoiding extra fees is important when using ATMs. To minimize these costs:
• Use ATMs within your bank's network to avoid out-of-network fees.
• Plan your cash withdrawals strategically to minimize the number of ATM visits.
• Consider switching to a bank or account type that offers fee-free ATM access if you frequently face this issue.