Small Introduction of ATM

ATMs, debit cards and smart cards:
The Basics

Automated teller machine cards have become as common as a driver's license, but there's a difference. Put the ATM card in the right machine, push some buttons and voila -- out comes money. Debit cards let you pay for items without having to even go to the bank, and smart cards, while a success in Europe, haven't caught on in most of the U.S. yet. Worries about privacy, theft and surcharges are real, though, and this how-to guide will help you understand the new technology that may someday make money obsolete.

ATM cards
The automated teller machine has transformed banking, and given people access to their money 24 hours a day, seven days a week. But be careful: know what you can and can't do with an ATM card -- and watch out for fees.
Convenience -- and confusion
ATM fees
How to avoid those costly ATM surcharges
Using ATMs abroad
Your personal safety
ATMs -- Looking ahead

Debit cards
Getting a debit card can be easier than getting a credit card, and it can be convenient, but be careful: lose it and someone could clean you out.
Advantages, disadvantages of debit cards.
When a debit card is lost or stolen
Tips for responsible use of debit cards

Smart cards
Also known as the stored-value card, smart cards are used on college campuses and other closed environments, and may someday be as ubiquitous as ATM cards, but they haven't caught on in the U.S. yet.
Smart cards: A chip in the market

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