A bank lobby manager told me that banks asked depositors to withdraw money from ATMs in name to save time, but in fact they hid unknown secrets, which were related to their interests.

An bank lobby manager told me that banks asked depositors to withdraw money from ATMs in name to save time, but in fact they hide unknown secrets, which are also related to their interests.

We usually go to the bank to withdraw money. As long as it is less than 20,000 yuan, the bank staff will ask everyone to withdraw from ATMs. Many people will always wonder why it takes so much effort to withdraw from ATMs , and they can only withdraw 5,000 yuan each time. There are some unknown secrets hidden behind this.

What is ATM machine

ATM, which means ATM machine , because most of it is used for withdrawals, also known as ATM. It is a highly precise mechatronic device, which uses magnetic code cards or smart cards to realize self-service for financial transactions, and replaces the work of bank counter personnel. You can withdraw cash, query the deposit balance, transfer funds between accounts, balance query, etc.; you can also carry out cash deposits (real-time account entry), check deposits (not in China), passbook reimbursement, intermediate business, etc. Cardholders can use credit or savings cards to handle automatic withdrawals, balance inquiry, transfers, cash deposits, subscribing to passbooks, purchasing funds, changing passwords, paying mobile phone bills and other services based on their passwords.

In 2015, China UnionPay announced that cross-bank transfers can be realized on any UnionPay machine. Generally, transfers are free. There is also a limit of less than 50,000 yuan, while cash withdrawals are generally limited to less than 20,000 yuan.
allows depositors to withdraw money from ATM machines. There are three major reasons why
completes banking business assessment

banking. Because most of the customers are elderly, almost every month, the replacement rate of ATM machines business cannot meet the standards and a part of the money will be deducted. Although
is not much money, it only costs one or two hundred yuan per person on average, but this is also your own salary income!
In order not to be deducted, we can only find ways to let more customers save money and withdraw money to operate on the ATM machine. Even if you don’t know how to operate, the bank staff will help him operate.
So, when you go to the counter to withdraw money, as long as it is a small amount, less than 20,000 yuan, almost the teller will remind you to withdraw money from the self-service machine.

Some banks even hung up a sign in the hall: cash services below 20,000 yuan, please go to the self-service deposit and withdrawal machine to operate.
reduces the operating costs of
Nowadays, with the development of technology, the operating costs of ATM machines have decreased. On the contrary, the leasing costs of bank branches have increased and labor costs have increased. Therefore, using ATM machines can save operating costs to a greater extent.

Improve work efficiency

Every time you go to the bank counter to handle business, you also need to call numbers and queue, which is a waste of time. The ATM machine not only has simple deposit and access functions, but also can transfer money, modify passwords, etc. You can operate and solve the problem by yourself without queuing.
Bank traffic diversion measures
Let more people use ATM machines is one of the assessment goals of bank branches, which is related to the performance and bonus of bank staff. Banks use electronic banking, ATM machines, etc. to reduce the pressure on manual operations and encourage customers to use machine services.
With the rise of Internet finance , the development of banks is facing huge difficulties. Some time ago, the first unmanned bank settled in Shanghai, and the number of bank outlets will definitely decrease in the future. When people talk about banks in the future, they may be more of a service than a place. What is the structure of

ATM? The lower half of

ATM is a safe, which contains the most important components of ATM: banknote box and computer .

banknote box: is naturally the place to put money, usually 4 banknote boxes, divided into 3 withdrawal boxes and 1 deposit box (not only deposits, but also fake and abnormal banknotes are all in this box). Some models have 5 bill boxes. The designed capacity of each banknote is 0wRMB, which refers to new banknotes. Generally, the bank puts old banknotes in it, and the banknotes will be slightly thicker, so each banknote is generally more than 20 wRMB.

Here, please think carefully about the thief who has the intention of ATM. A full ATM is only a few dozen watts, and maybe it is not yet full. The difficulty of obtaining and the benefits are too disproportionate, so please let the ATM go. If it is broken, we have to repair it. It is very troublesome.

Computer : windowsXP system , unlike the common XP, is an XP system specially customized for Microsoft . The computer itself is not configured high and does not need to be too high. The interface for deposit and withdrawal operations is a software run on windowsXP, which is similar to tool software such as office, except that this software can control ATM deposit and withdrawal. Sometimes the program exits abnormally, and you can see the familiar windows desktop or Dos interface displayed on the ATM screen. How long does it take to transfer money across banks on the ATM machine to arrive?

Due to the latest anti-fraud transfer regulations, banks will now use ATM machines to transfer money across banks to transfer money within 24 hours. The specific arrival time is:

1, cross-bank and cross-provincial transfer

Because the arrival time of each province and bank is different, the speed of handling business is different. Generally, cross-bank and cross-provincial transfers may take 2-3 days to successfully arrive.

2. Transfer across banks and provinces

Transfer across banks and provinces will be slightly faster. Generally, the transfer can be successful after one working day, but the specific arrival time is still based on the arrival time displayed in the account.

3. Cross-bank and same-city transfer

In the past, cross-bank and same-city transfer could be successfully received at least 2 hours. If it is slow, it can be successfully received within one day. Now, according to the new regulations, it should take one day to successfully receive the account.

It is worth noting that when making cross-bank transfers, you must transfer before 15:00 on the working day, and the transfer after 15:00 will be processed on the second working day. At the same time, do not apply after 15:00 on Friday, because the bank handles business hours, which will lead to delays on holidays. If the transfer funds are not paid for a long time, it is recommended to call the bank customer service to inquire.

ATM How much cash can a machine save in a day?

There is no limit as long as it is operated by me. If it is not the case, some banks may have 50,000 yuan, and some may have 100,000 yuan.
1. The one-time deposit limit for this ATM is 100 yuan. It only charges 100 yuan bills, or 10,000 yuan bills. You can save 10 times a day, up to 100,000 yuan. Unlimited daily deposit, no more than 100 yuan at one time. This deposit machine only charges 100 yuan bills and can identify the new version of RMB. When depositing, you can use different denominations and different versions of RMB. Card deposit. This automatic depositor can save up to 10,000 yuan at a time. Because this automatic depositor can save up to 100 banknotes at a time. It can be deposited multiple times, and there is no upper limit for one day. Cardless deposit. The single period of automatic deposit machines is 10,000 yuan, and the single day is 50,000 yuan.

Who invented the ATM?

In 1939, Luther George Simjian invented the ATM . However, in the modern sense, the concept of was proposed in 1968 , and the prototype appeared in 1969 . The first ATM was installed at the Chemical Bank in New York. Today, ATM machines are developing quite fast, with a ratio of 4:1 to banking institutions. The U.S. Navy even installed the ATM on the warship .
　　【Manufacturer】
　Main manufacturers: foreign countries include NCR, Dibao, Delidofu, Hitachi , Fujitsu , etc.
　The main domestic manufacturers include: Radio and Television and Communication , Guangzhou Yuyin , Shenzhen Southeast, etc.

bank card was accidentally swallowed by the ATM machine. What should I do? There are usually four reasons why
bank card is swallowed:

has entered the password multiple times in succession, causing the ATM to swallow the card.
cards that are suspected of cheating, stolen cards, expired cards, or cards that conduct improper transactions all lead to card swallowing by the ATM machine.
did not take away the bank card within the specified time, and the ATM will automatically swallow the card for protection purposes. The failure of the
ATM machine will also cause card swallowing.
Therefore, when depositing and withdrawing money from the ATM machine, you must ensure the correctness of the password operation. If the bank card is swallowed, there is usually an emergency call button in the 24-hour self-service bank. The bank will clean up the cabinet every day and bring your ID card. The staff will help you get the card back.

In addition, you can install the corresponding bank APP on your mobile phone. There is an ATM card swallowing error account query service in the APP, which can provide feedback to check the card swallowing process progress, card collection address, and phone number.
At the same time, for banks, artificial intelligence is also the future development trend. It can be seen that all banks are reducing the number of high-desk tellers and configuring a large number of self-service equipment. Now there are not only ATMs, but also VTM. In the future, banks will also take the intelligent route. CCB has taken the lead in establishing unmanned outlets. At present, cultivating customers' habits of using self-service equipment is also in line with the requirements of the times.

Finally summarize it.

A bank branch is either full of manual labor without machines, or it is a mixture of machines and manual labor. Due to cost and speed considerations, it is impossible to have all manual labor. In the future, there will definitely be fewer and fewer labor and more and more machines. Then, machines have their limitations and special services cannot be handled. Only by guiding customers who can use machines to use machines and let customers who cannot use machines come to the counter can the bank minimize queues and improve efficiency.