Resumen del cargo
ATM WITHDRAWAL is a banking ledger descriptor indicating cash was disbursed at an Automated Teller Machine, not a company or merchant charge.
What does ATM WITHDRAWAL mean?
An 'ATM WITHDRAWAL' entry on your bank statement is a standard record indicating that cash was taken out of your account using a debit or credit card at an Automated Teller Machine (ATM).
It records physical cash leaving your account balance. The line often includes a terminal ID, street location, or financial institution identifier.
Identifying the ATM Location & Surcharges
If you used an out-of-network ATM, you may see two associated items: the primary cash withdrawal amount and a separate non-network ATM surcharge fee.
Check the location code or store name printed next to 'ATM W/D' on your statement.
- Step 1 Cross-reference the date, time, and dollar amount with your recent cash withdrawals or ATM receipts.
- Step 2 If the ATM failed to dispense cash but debited your account balance, contact your bank immediately to file an ATM failure inquiry.
Where can I read the full technical definition of ATM transactions?
Read our complete guide in the <a href='/glossary/atm'>ATM Banking Glossary Entry</a>.
Unauthorized ATM Activity & Error Resolution
If you still possess your physical card and did not make this withdrawal, your card details or PIN may have been compromised via an ATM skimmer.
Under Regulation E (12 CFR § 1005.6), you have statutory protections against unauthorized electronic fund transfers when reported promptly.
What should I do if this ATM withdrawal is unauthorized?
Contact your bank's 24/7 fraud department immediately to cancel your debit card and file an unauthorized transaction claim.
As práticas de cobrança podem variar. Confirme sempre no extrato antes de contestar.
Fuentes verificadas
- CFPB: Regulation E ATM Disclosures (12 CFR § 1005.9) https://www.consumerfinance.gov
- Federal Reserve: Consumer Protections for ATM Withdrawals https://www.federalreserve.gov