UnknownCharges

Card Network & Electronic Payment Rail

What does ATM mean on a bank statement?

ATM

· Evidence review pending · Content revised

08/05 ATM WITHDRAWAL CHASE BANK 5TH AVE $45.20

Illustrative entry. The example date and amount do not establish your bank’s format or a real transaction.

Plain-English Definition

Registry label for ATM: Automated Teller Machine Transaction. Unreviewed registry note: ATM denotes a physical automated teller machine transaction, such as cash withdrawal, deposit, balance inquiry, or funds transfer.

Important: What this code is NOT

Unreviewed registry note: ATM is not a store charge or online purchase. It indicates physical access at an automated cash machine. If you did not make an ATM withdrawal, it may indicate card skimming or unauthorized physical card duplication.

Understanding ATM (Automated Teller Machine Transaction)

Unreviewed registry note: ATM line items appear when you insert your physical debit card and enter your confidential Personal Identification Number (PIN) at an ATM terminal.

Unreviewed registry note: The transaction record typically includes the machine ID, terminal street location, or financial institution hosting the ATM.

Unreviewed registry note: If you use an out-of-network terminal, you may see two separate entries: the primary cash withdrawal amount and a separate $2.50–$3.50 non-network ATM surcharge fee.

Find the transaction details

Read the complete entry and its direction before looking for a company. A code may describe a deposit, payment type or status; it does not necessarily identify a purchase:

  1. Step 1 Unreviewed registry note: Check the location, terminal ID, and street address printed next to 'ATM W/D' on your statement line (e.g., 'ATM W/D 7-ELEVEN 1029 MAIN ST').
  2. Step 2 Unreviewed registry note: Review your physical wallet for ATM cash receipts or recent cash spending.
  3. Step 3 Unreviewed registry note: If you still possess your physical card and see an unfamiliar ATM cash withdrawal, contact your bank immediately to freeze the card.

Example statement lines

These are lookup illustrations. Bank layouts vary, and an example does not establish a particular originator or authorization:

  • ATM WITHDRAWAL CHASE BANK 5TH AVE
  • ATM W/D 7-ELEVEN #2049 MIAMI FL
  • NON-CHASE ATM FEE #049281
  • ATM DEP AUTOMATED TELLER DEPOSIT

Questions about ATM

What does ATM stand for on a bank statement?

Registry label for ATM: Automated Teller Machine Transaction. Unreviewed registry note: ATM denotes a physical automated teller machine transaction, such as cash withdrawal, deposit, balance inquiry, or funds transfer.

Is ATM the name of a company?

Unreviewed registry note: ATM is not a store charge or online purchase. It indicates physical access at an automated cash machine. If you did not make an ATM withdrawal, it may indicate card skimming or unauthorized physical card duplication.

How can I find the originator or merchant for a ATM entry?

Unreviewed registry note: Check the location, terminal ID, and street address printed next to 'ATM W/D' on your statement line (e.g., 'ATM W/D 7-ELEVEN 1029 MAIN ST'). Unreviewed registry note: Review your physical wallet for ATM cash receipts or recent cash spending. Unreviewed registry note: If you still possess your physical card and see an unfamiliar ATM cash withdrawal, contact your bank immediately to freeze the card.

Source references

These references accompany this entry. A claim-level evidence review is pending; a citation alone does not verify every statement.