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Atm card

atm card

Definitions

ATM stands for automated teller machine. An ATM card can be used in one of these machines. ATMs are part of one or more networks, such as Cirrus, NYCE, PULSE, PLUS, Interac and STAR. A debit card can be used in place of using a credit card or writing a check to pay for merchandise. Many banks issue cards that perform both functions.

Differences

Some machines are strictly ATMs and allow you to withdraw cash from your account and perform some other basic account functions such as deposits, balance inquiry and transferring money between accounts. These machines require you to enter a personal identification number; ATM cards work with these machines.

Debit cards have a number similar to a credit card and can be used in a similar manner, both in person and online, to make purchases. When you do so, the money is withdrawn from your bank account, though this may not happen immediately. Many stores have point-of-sale card-swiping machines that will allow you to use either an ATM card with a PIN or a credit or debit card by selecting the "credit" option.

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