I work as an ATM Technician in Toronto and some of your points are flawed.

dingbang:
there is a word "might"...


You failed to see that


And also in point number 2, you failed to see the "some ATM's are manufactured to hold cards that have insufficient balance.. Benita.. What's wrong?

KINGTELLER:


I don't think they loose much... such occurance (overpayment) happens one in a million transactions

Hmmmm I guess you're right. Since you mentioned that this is your domain.
However in this case, I think they probably lost more than the $50 dollars bill the ATM gave me as extra.
Cos when I got home and tried to check out the money. They were kinda stuck to each other. So I was thinking the $50 bill came out with another.

Also, I overheard the guy asking another person to meet the team in charge to check how much was lost for that day. (I guess just to be sure that money was lost in the first place) And with that, I guess it would be something that often occurs. Maybe not all the time like you mentioned, but once in a while.

Also the lady on Twitter handle told me that this often happens and whenever it does, the ATM does it's daily calculation itself and when it checks that it lost an amount it goes back to revealuate and charges the account that was over credited. I was like yinmu (I'm guessing she said this so I dont change my mind about it. lol) But after waiting 3 days and no charges, I just went in to return it.

gradeA:



hehehe oya aunty tell me the truth, it's just us, did you really return that money?

lol. Uncle I did. What would I benefit from lying?

dodoyemi:
I work as an ATM Technician in Toronto and some of your points are flawed.

typical.. I thought I spelt it out clear for those who are professionals in the industry to give us reasons why ATM cards can be swallowed so that we can learn....

You forgot to read that part?

Peacefullove:


I must commend your honesty. Few people do that, no amount of cash can buy the RESPECT and DIGNITY you have won yourself in the eyes of all those who saw you when you returned it . Nothing beats that, Cos we humans are water, we just dont know where we are. going to meet again

Thank you
Hmmmmm! You're right about that. We are indeed like water.
I dint even want it pronounced, but when the guys kept saying Thank you for your Honesty and all. Everyone noticed, and I felt embarassed. lol.

VickyRotex:
Let me share.

2 weeks ago, ATM overpaid me. I chatted their Twitter team up, and the lady was surprised. So according to her advise, I waited for about 3 days to see if I was going to be debited. (I knew I wasn't gonna be debited, cos it's possible the bills came out stuck to each other)

So I went back to the bank to return the money, and the guy was just looking at me like this He was like, this is rare. He had to go call someone to help him out, on how to handle the return. I was just laughing In my mind, I said "Mi kin je nkan, oni nkan, molu temi"

Very nice of you. Way to go. God will reward you for your honesty.

IdeyFindWife:


Wow, beautiful chick with a beautiful soul.
Many would have spent the money and given testimony later.

Can't make much of the Yoruba but I get the drift.

lol. Thank you.
I meant "I dont eat/take someone's stuff to be a part of mine. No matter how little.

poseidon12:


Very nice of you. Way to go. God will reward you for your honesty.

Amen!!! Thank you!

dingbang:
typical.. I thought I spelt it out clear for those who are professionals in the industry to give us reasons why ATM cards can be swallowed so that we can learn....



You forgot to read that part?

Relax, don't come at me guns blazing. Next time do a thorough research before you post information like these especially if youre not versed in the subject matter.

VickyRotex:


Thank you
Hmmmmm! You're right about that. We are indeed like water.
I dint even want it pronounced, but when the guys kept saying Thank you for your Honesty and all. Everyone noticed, and I felt embarassed. lol.

He was both shocked and surprised. Imagine coming across diamond in the least expected places, It would be a total suprise . that is what it means to meet honest people in the deeply corrupted society we are living.

keep it up, I admire people like You

VickyRotex:


lol. Thank you.
I meant "I dont eat/take someone's stuff to be a part of mine. No matter how little.

Ohhh, nice one! And it's really much needed in today's world and even in this Nigeria!

VickyRotex:


Hmmmm I guess you're right. Since you mentioned that this is your domain.
However in this case, I think they probably lost more than the $50 dollars bill the ATM gave me as extra.
Cos when I got home and tried to check out the money. They were kinda stuck to each other. So I was thinking the $50 bill came out with another.

Also, I overheard the guy asking another person to meet the team in charge to check how much was lost for that day. (I guess just to be sure that money was lost in the first place) And with that, I guess it would be something that often occurs. Maybe not all the time like you mentioned, but once in a while.

Also the lady on Twitter handle told me that this often happens and whenever it does, the ATM does it's daily calculation itself and when it checks that it lost an amount it goes back to revealuate and charges the account that was over credited. I was like yinmu (I'm guessing she said this so I dont change my mind about it. lol) But after waiting 3 days and no charges, I just went in to return it.

Lol... ATM doesn't do auto debit of account for overpayment except if the ATM does the overpayment calculation itself during payment.

AYM swallow machine I go break d machine

dingbang:
A handful of us have been victims of our ATM cards being seized by the Automated Teller machine and when this happens, it leaves us devastated. Have we been curious to really know the reason why this is so? This thread will try to give us highlights of some possible causes and enlighten us to properly use the ATM when next we visit.

(I highlighted some words for those who are ITKs. They won't read in between lines but jump into conclusion).

I would also call on Professionals in the banking sector to add to these points being highlighted so that we too can learn. Before I will start, let's have a brief Introduction about the ATM. Some of the points were culled from blogs.


An ATM (Automated Teller Machine) which is also called by some other names like ABM (Automated Banking Machine), Cash Machine or Cash Point is a self-help electronic banking device which is networked with financial institutions and performs financial transactions for clients. Modern ATMs can perform a variety of functions including cash withdrawal, cash transfer, cash deposit, utility bills payment, balance inquiry, obtaining the bank statement etc. Despite of all the advantages, ATM cards, Debit cards or Credit cards which are used at ATMs may get swallowed by the machine. There could be several possible reasons for this trouble which I have discussed below.


1- Inserting the card wrongly


There is a way to insert the card in ATM. You can find an arrow on one side of the card which indicates in which direction you have to push it into the card inlet of ATM. But if you do not do that way, ATM might fail to read your card and swallow it instead of returning it.

2- Having no balance or insufficient balance in account


Some ATMs are configured to hold your debit card or ATM card if you have no balance or insufficient balance in your bank account. That is an unfair policy to hold your card for that reason but it’s happening.

3- Using a faulty or broken card


Every card has the name of account holder written on it in plus a magnetic strip on the back which carries necessary details which is machine readable only. If for some reason the name or magnetic strip fades away, the ATM will not be able to read the card and might hold it. Same is true in case of using broken or bent card. It might get stuck inside.

4- Using a card in wrong ATM


An ATM is configured to support certain services like Visa, MasterCard, Discover, Maestro, American Express etc. If you insert a card into such an ATM which does not display the logo of your service, your card might be eaten by the machine.

5- Using an expired card


This is a big issue about which people do not care. If the card has crossed the expiry date, the card becomes useless. Putting that into the cash machine might get swallowed by it.

6- Using the blocked card


If you lost your card, blocked it and later recovered it but didn’t unblock it or your card was blocked by the provider due to the violation of any term, using such blocked card will alert the ATM and it will simply eat up your card.

7- Use of reported card


A stolen card must be reported immediately. Such cards become useless even if you recover them. Using such cards will result into alerting the cash machine and holding your card.

8- Out of order ATM


This is one of the biggest issue which can create troubles for users. An out of order machine can swallow your card instead of returning it. The major cause for this problem could be the failure of any mechanical or electronic part inside the machine.

9- Entering PIN erroneously several times


When you use your card at an ATM, you have to enter the PIN before proceeding to services menu page. If you have forgotten the actual PIN and enter it erroneously several times, ATM will hold your card considering it a stolen card or a theft attempt. Sometimes, mistakenly entering wrong PIN more than once can result into the same.

From your list, only points 5, 6, 7, 8 & 9 are possible reasons for the card to be retained. As for the other points, the card'll be ejected.

let us not be surprised if Benita27 ends up marrying Nwaaikpe

Benita27:
I think points 1&2 isn't true.

1. The card is supposed to be inserted from the side that has the black arrow but when one mistakenly try the other side the machine rejects the card instantly.

2. I've used machines where I had insufficient balance but rather I was notified I couldn't carry on the transaction, and my card was rejected. The only reason I know the ATM holds back the card is when the password is entered wrongly more than once.

let us not be surprised if Benita27 ends up marrying Nwaaikpe

Martin0:


Eh eh ok ooo,
As u dey attend to make sure say u dey register me into any goodies ooo

sense fall on you

Peacefullove:


He was both shocked and surprised. Imagine coming across diamond in the least expected places, It would be a total suprise . that is what it means to meet honest people in the deeply corrupted society we are living.

keep it up, I admire people like You

Awwwnnn! Thank you for the kind words. Very much appreciated! May God grant us more grace to continually make a difference. Amen!

IdeyFindWife:

Ohhh, nice one! And it's really much needed in today's world and even in this Nigeria!

Yes, it is! Thank you!

KINGTELLER:


Lol... ATM doesn't do auto debit of account for overpayment except if the ATM does the overpayment calculation itself during payment.

Hahahaha abi! I thought as much!

It Swallows because it's hungry

intrepidjay1:


sense fall on you

M.Y.B
I wonder what might have intrested you into quoting me..

11. Delaying taking your card from that hole......

Am a victim of these scenarios.....

StRichard:
Don't you know there are faulty automated teller machines that swallow card without any reason.

Refer back to number 8.
Its good to read before commenting so you don't seem weird.

Op, nice article. But u have to modify ur caption to '9 reasons why ATM cards get trapped in ATM machines'. ATM machines are nt humans or animals and so cnt swallow. Don't personify it.

VickyRotex:


Awwwnnn! Thank you for the kind words. Very much appreciated! May God grant us more grace to continually make a difference. Amen!

the Almighty God own all thanks, I like that point
" continually make a difference " . more like don't follow the crowd to Do something unethical

Peacefullove:


the Almighty God own all thanks, I like that point
" continually make a difference " . more like don't follow the crowd to Do something unethical

Thank you!

dingbang, i went for reactivation of my dormant account , how do i know if the account has become active?

remi1444:
dingbang, i went for reactivation of my dormant account , how do i know if the account has become active?

pay in money to your account...

What bank please

dingbang:
pay in money to your account...

What bank please

i did, the account has fund, FIRST BANK savings account.