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Thread: what happens when you leave your debit card in an ATM?

  1. #9
    scottychaos's Avatar
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    I have come across three different "card return" procedures for ATM's around here, (Rochester, NY)

    1. The machine takes your card into itself, and spits it back out only after all transactions are done. (the most common)

    2. Machine takes in card, and spits it back out after you enter pin, then you complete transactions. (fairly common)

    3. swipe card, card never enters machine at all. (least common)

    and the "timeout" is quick..like 10 seconds or less.
    you only have seconds to grab it..
    the machine will "eat" it before the car behind you can even get to the machine.

    Scot

  2. #10
    Doing it wrong until I do it right. xvart's Avatar
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    Quote Originally Posted by scottychaos View Post
    3. swipe card, card never enters machine at all. (least common)
    Most practical. I wonder why more ATM's are like this?

    xvart.
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  3. #11
    Hello, I must be going... Not a Number's Avatar
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    Quote Originally Posted by Alexis View Post
    I'm confused! Do cash machines in the US give you your money and then give you your card? Over here it's the opposite - you have to take your card back before it will dispense the money.

    If you walk off without taking your money though, it takes it back in in 15 seconds or so and recredits your account.
    This was in the mid/late 90's - all the machines in the US that I've used (since the mid 70's) would hold the card until you told it you were done with all transactions. These are essentially full service transaction machine that allow you to deposit, withdraw, make loan payments or tranfer funds between accounts. Just about any transaction you would make with a human teller except special documents such as banker's cheques. The only exception are "Fast Cash" which would return your card after dispensing the cash and receipt. Thinking back the time out was very short - maybe 15 seconds.

    Quote Originally Posted by Fryster View Post
    All ATM's that I've been at beep at ya really annoyingly until you retrieve your card. You can't walk away from your card unless you are truly deaf.
    Not all the machines beep, it depends on the model and manufacturer. Unless you are using the "Fast Cash" transaction full service ATM (allows deposits,payments, transfers and balance inquiries) will not return your card until you tell it you are done. These are full service machines that allow you to do many transactions. Thus it is possible for one to forget to press the "done/return card/no more transactions" and walk away. In this condition the machine is not chiming, yet it still has your card. It probably will start beeping if no activity is entered after a time out period and then "logout" and keep the card if there is no activity after a second time out.

    Quote Originally Posted by xvart View Post
    Most practical. I wonder why more ATM's are like this?

    xvart.
    The swipe types are typically in "monitored" locations such as a convience store or a bar. These types of machines are more vulnerable to vandalism. These are usually Cash Machines as they only allow you to withdraw cash or take a cash advance from a credit card and not true Automatic Teller Machines. Cheaper to manufacture these are usually owned/operated by parties that are not banks - like those check cashing firms.

  4. #12
    Aklys joossa's Avatar
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    Quote Originally Posted by xvart View Post
    Most practical. I wonder why more ATM's are like this?

    xvart.
    I agree. Most machines here have you dip the card in and then out, so it eliminates the problem.
    -Joel from Southern California


  5. #13
    War. War never changes. Est's Avatar
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    I'm confused! Do cash machines in the US give you your money and then give you your card? Over here it's the opposite - you have to take your card back before it will dispense the money.
    That's the way it goes with my Wells Fargo ATMs. You tell it you want a certain amount of cash, it spits the card out, prompts you to take it and then gives you the money.

    Does anybody else have a bank that uses ATMs that don't use envelopes any more? I still feel bizarre putting a check / cash DIRECTLY in to the ATM.
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  6. #14
    Moderator Schmoderator Fluorescent fluorite, England PlantAKiss's Avatar
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    Yep, its my understand the machine eats the card after a short time. My bank makes you push a button to get your card back (which is annoying although I guess they are allowing you to make other transactions). I think you get the money after you get your card.

    It's been so long since I made a deposit at an ATM I didn't know some places aren't taking envelopes.
    "Fox terriers are born with about four times as much original sin in them as other dogs." - Jerome K. Jerome

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