But the market cap of the bank is only three cents - where are you expecting those “few cents” for reprogramming to come from?
Wells Fargo? That’s who I use, and it gives me the opportunity to choose the breakdown of the money I withdraw- if I say $50, it asks 1 $50 bill or 2 $20 bills and a $10 bill.
It also takes s stacks of cash and checks for deposit like you mention.
Yeah, I admit it’s a first world problem. I’ve had user experience principles pounded into me after 25+ years as a system engineer, so I notice these things. My ATM that does this is located at a bank branch in Virginia. I can’t even blame the bank because that branch was inherited from a recent merger and for all I know the software was like that from the start.
It does have one pre-programmed option for withdrawing $60 but that’s it. Sometimes we want a different amount.
Another bit of tomfoolery is that a couple years ago we created a money market fund with the same bank, and ever since then, when we try to withdraw money from the ATM, it asks us which checking account to pull from. Only within the last month did we get a notice from the bank that they’re re-classifying the money market account as savings rather than checking. (They didn’t issue any checks with the account, so it’s anyone’s guess why they classified it as a checking account.)
Yeah my Wells Fargo ATM is pretty impressive. I can feed it a stack of checks and it reads the handwriting on each one and gives me an on-screen summary that I confirm. No more deposit slips! And it can email me a receipt. It rarely reads handwriting incorrectly and even when it does it’s usually because of bad writing like numerals touching/overlapping each other. You can type in the correct amount on the keypad, and in that case dollars and cents are required.
However, IIRC, if you ask for a custom cash withdraw amount I think it does ask for dollars and cents even though it only gives out $20 bills.
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Yeah my Wells Fargo ATM is pretty impressive.
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Do any other banks wish you a happy birthday via their ATMs? First time I saw that, I was not expecting it.
I was just going to post this. Makes :mad: at you. Those scare me every time I see them.
Several obvious reasons occur to me: 1) A blind passenger in the rear, like in a taxi, might want to use one. 2) Seems to make more sense to make one type of machine rather than separate ones for drive-up and walk-up ATMs. And possibly 3) Sometimes one uses the drive-up ATM if the walk-up ATM is down or inconvenient (although this probably is not a very good idea, I suppose, especially for a blind person, though I’ve done this quite often. But at least the first two points.)
Many years ago, I would occasionally cash a paycheck after hours at my credit union’s drive through ATM. Deposit it, withdraw the amount I needed from my new balance, and good to go. Didn’t know the whole setup was based on the honor system 'til that one night I gave them the stub and kept my check. Oops. They were MAD about that.
Something similar almost happened to me recently when I visited Japan after a week in South Korea. I don’t know whether it was because I was tired, or because I’d grown used to 1,000 South Korean won being about a dollar. but I asked the Japanese ATM for 500,000 yen. For a while I couldn’t understand why the transaction was refused, but then realised that $5,000 was way over my daily limit: I could get 50,000 yen instead.
I’m gonna say something good about ATMs, at least the ones that PNC bank has.
- They make you insert - and then remove - your ATM card before you can begin your transaction. They put this improvement in about 2 years ago. It makes it impossible for you to leave your ATM card in the machine, and next to impossible to leave it behind at all.
I’m a big fan of this bit of idiot-proofing, because I’m the sort of guy who would be that sort of idiot.
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Their ATMs also let you define your own standard cash withdrawal. So if you normally take out $120 in cash, it will let you set a button on the ATM for withdrawing that amount. And in subsequent visits where you want $120, after inserting and withdrawing your card and punching in your 4-digit code, you hit the $120 button, it spits out the money, and you’re done.
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I think this one’s more widespread, but when depositing checks, just being able to feed the check into the machine, and getting a transaction slip with a photo of the check you deposited, is a significant improvement. It used to be next to impossible to tell whether you had deposited a particular check or not. Now you’ve got a picture that says you did.
So they looked on Facebook and saw it was your birthday? Cool!
One of my favorite things about smartphones is that I can now just take a picture of a check with my bank’s app, and it’s deposited. Brilliant.
My car says goodbye to me when I turn off the ignition.
Only assholes use that term.
Not entirely redundant. One of the reasons they picked ATM as it was also called a “Any Time Money Machine” . After all, for decades it wasn’t really a “teller” since all it could do was dispense cash.
Your car was made by AOL?
I’d venture to say that, if she tried to withdraw an amount that didn’t end with zero cents, it wouldn’t go through.
Nah, if it was from AOL or Yahoo, it would be spamming me.
Yeah, I was thinking of mentioning that, but since this thread’s about ATMs, I thought I’d stick to that.
Besides, I get money out of the machines often enough that it’s simpler just to stick the checks in the machine when I’m pulling cash out, than figure out how to do a deposit from my desktop or tablet.
So did my ex. Your point is…?
So the blind person sitting in the back seat behind the driver can use it?