WISCONSIN — Using an ATM to get cash or make a deposit can be convenient. But, although these machines are usually accurate, there can be problems. If you conduct transactions via an ATM, here are a few things that you may want to do to avoid having problems later.
If you need to make a large deposit, it may be best to do this with a live teller or via a night deposit box.
Before making a deposit, double-check the amount before it leaves your hands. If you elect to use an ATM, it might be a good idea to take a picture of the checks and take a video of the deposit being made.
Always get a receipt and hang on to it until you can verify that the proper amount has been credited to your account.
If you are withdrawing cash, make sure to count it immediately, and compare this with the receipt.
If you experience a problem with a deposit or disbursement during banking hours, stay at the machine and try to call the bank or owner of the ATM for help. If the error occurs after hours, or you are unable to get help from bank personnel, look for a phone number or contact information, and document as much information as possible, especially the address or location of the ATM, time of the transaction, the amount, and any unusual things that you notice on the screen or the machine, and report it immediately.
Also, report the problem to your bank as soon as possible, and ask them to conduct an investigation and credit your account as soon as possible. Most will do this within a few days.
If you are not able to resolve an error with your bank or the owner of the ATM, you may want to file a complaint with the Consumer Financial Protection Bureau.
