I’m quite surprised that a lot of people still do not understand how ATM operate. Maybe that’s too deep, even I don’t know. I mean don’t really know. What I’m trying to say is how in general ATM functions. Of course you might say that “Of course you know, you work in a bank”, but again these things I learn when I was still studying in secondary school. So?
There was a lady this morning complaining about some issues that she faced earlier today.
Lady: The ATM got problem
Me: What seems to be the problem madam?
Lady: No money lerr …
Me: That’s impossible because I’ve just uploaded cash into the ATM this morning
Lady: Why cannot lerr?
Me: How much you withdraw?
Lady: RM1,600
Now, guys if you still don’t know I’m telling you now. A dispenser unit can only dispense 20 notes at a time usually goes to the amount of RM1,000 which is equivalent to 20 pieces of RM50 notes. Now, let say you want to withdraw RM1,600 from your bank account. You need to withdraw RM1,000 first and then the second time you withdraw RM600. You can’t withdraw RM1,600 in one go.
Me: You must withdraw RM1,000 first then only you withdraw RM600.
Lady : Ya meh?
Me: Yes. Because the limit per withdraw is RM1,000
Lady: Like that kah?
Me: (Stupid no schooling) 🙂
To my surprise, this lady works for a bank. So, now you know that not every single person who works in bank knows everything about the bank. It’s almost impossible that you know everything but this ATM thing is something that I think you doesn’t need to work in bank to know that an ATM can only dispense RM1, 000 at a time. I don’t blame her but in this case it somehow makes her looks stupid because of the “How could a person who works in bank do not know of that?”
Related to that, there are actually daily transaction limit for ATM. Usually when you open your account and being given an ATM card the officer in charge will tell you this. There’s a limit of RM3,000 for daily transaction for ATM, meaning you can only withdraw up to the amount of RM3, 000 per day and anything above that you will have to do the transactions through the counter. Some banks have the option of RM5,000 daily transactions but for most banks it is RM3,000.
There’s something about MEPS and inter-bank transactions through ATM that you must know. Before slotting your precious ATM card on a machine that bears the logo MEPS or Bankcard, please do not go straight into withdrawal section but go to balance inquiry first. If the system is quite slow, slower than normal, do not withdraw your money from that particular machine. Chances of the bankcard and MEPS system is down is quite high especially when it’s payday!
I’ll give you an example:
You’re a Maybank card holder. You went to Public bank ATM to withdraw money. Please go to the balance inquiry section before you withdraw your money. In some cases, you withdraw money but then there’s no money dispensed. System might be down at the moment but when you go back to your bank, which is Maybank your account had been deducted by the amount that you withdrew this morning. If this happen, you have to go to Public Bank and file a complaint. After that Public Bank will forward complaint form to their HQ and HQ will attend it to MEPS / Bankcard. Now, for most banks the standard procedure is that every complaint must be sent that day itself. So, note this: Public Bank and Maybank are not at fault in this. You must understand that it’s the system and the system is not run by Maybank or Public Bank!! So don’t you dare fucking come to me and yell at me saying that “Your bank took my money”. It happens sometimes. These are the so called assholes of the community.
There was this one time that the same case happen to a lady.
Lady: So how?
Me: File a complaint
Lady: Then how would I know it’s true that your bank didn’t took my money?
Me: That’s why I’m asking you to file a complaint. Just fill in this form
Lady: Isn’t there anything which is in black and white?
Me: ???????? (WTF!!)
Lady: Saya mau makan apa la?
Me: (Makan pasir) The money will be credited back to your account once it’s settled.
Lady: I want to make a police report!!
Oh please – she’s a fucking Jew. Stupid and arrogant! Like what can the police do about it? Stupid isn’t it? I know that she’s frustrated and angry but at least say something that doesn’t make you look like a dumbshit.
I don’t mean to offend anyone but usually cases like these will fall on the ladies and they always think their smart and know everything about banking and how the financial institutions works. So my advice to all the ladies, get your facts right before you say something that might make you look stupid. So far I’ve never had any problems with the gentlemen. It’s just the ladies, gawd they’re awful sometimes!
Believe me, this is something simple and very much direct to the point and it’s not so much of a rocket science for people to understand. It would very much help if you would just listen to the officer in charge while he or she is trying to explain to you things because it’s just annoying when sometimes I have to explain to the same person about the same thing over and over again. I’m telling you this because I don’t want you to look stupid in some way. If you didn’t know all that before, now you know.
P/S: FYI – I’m not working for any of the banks mention above
December 17, 2007 at 9:10 PM
LOL Cibol… my mom works in a bank too and she always tells us stories such as this one! Hey, I’m a lady too, and I still get annoyed with those dumb people! It has nothing to do with being a female, I’ve encountered some dumb men too… These people refuse to educate themselves and they tried very hard to ACT as if they’re the smart ones! Ick! Oh btw, thanks for visiting my blog – yeh, it hurt when Gallas scored!
December 17, 2007 at 10:52 PM
this post is very informative….i always wondered abt ATM machines and MEPS..i understand a little better now
December 18, 2007 at 12:36 AM
ha ha, thank god i’m not in bankin business
December 18, 2007 at 7:37 AM
-MB- : Hey, Thanks again for dropping by. 😉 Yeah it does hurts. *sob* Your mom works in a bank? Cool Must be a super high officer now eh, no?
Bengbeng : Glad that you found it informative. It’s just a few things that I think I need to share with the community. 😉
clement : It’s not a about whether you’re in banking line or not, it’s about whether you now that thing or not. That’s the most important thing here
December 18, 2007 at 8:48 AM
u know, dat day i went to da bank. i took out some money, then i bought external harddisk. after that, i went bak home. then i realize that rm350 was gone from my wallet. someone took it!!!!!!!! bloody shxt, honest i didn’t realize that it was gone before i arrived home!!! i searched high and low for my money, i have even asked my housemates about where could my money have gone to. then to my surprise, i found the money tucked nicely in my pocket.. what a relief.
then i thought, how the hell did i managed to buy that bloody external harddisk???!!!
….
…..
…….
then, i realized… i used my credit card for the purchase.
MWAHAHAHAHAHAHAHAHAHAHAHAHAHA
– peringatan : sedutan di atas merupakan iklan –
Apply for CIMB Direct Access Credit Card now! Free for life! All you need are your graduate’s certificate, some basic personal documents and there you have it!
December 18, 2007 at 9:18 AM
1. I know the dispenser can only vomit 1000 per transaction.
2. I never check my balance before I withdraw money from other bank. Thanks god I never face that problem. But the stupid BANK sign off such stupid system created by stupid programmer is consider stupid also. Remember, consumer is always right. If the fault happen, it is still the responsibility of bank. Then, you are representing the bank… so, ppl might scold you… haha… calm down, pal.
3. I used to have problem while using cash deposit machine for paying my car loan. The machine suddenly “out of order” while it is processing. My money is inside, so I called to the stupid call center. I tell you, Maybank call center is stupid complex… I just seek for helps from them, and file the fault at Maybank. I didn’t rant like a lady, I am a gentleman~
4. You work for CIMBank? hahah~
December 18, 2007 at 11:38 AM
Hahaha.. no so surprise la.. some people do not even know how to use mouse.. right?
Anyway, a good post!
December 18, 2007 at 8:39 PM
Thank you for your nasihat.. You are sO sO sO true by saying that most of us (ladies) always do something that makes us look stupid… Haha. We tend to berlagak pandai unfortunately it will only makes us look more paloi and dungu..
December 18, 2007 at 11:52 PM
beemergayclub : Ha ha ha .. U’r promoting for CIMB now eh?
sean : Where got?
keeyit : Got lidat ah?
nono : Sendiri mau ingat la nor ….
December 19, 2007 at 8:25 AM
No la Cibol.. my mom’s not a super high cool officer as you put it LOL.. as you know, as one gets any promotions in the banking biz, one will most probably be transferred someplace else.. and she doesn’t want to be transferred! Hehe …
oh so now from atm machines has gone to credit card promotion… yikes! LOL
December 19, 2007 at 5:35 PM
can vomit 1000 at one time? dunno that also dude. terima kasih sebab bagitau..
December 19, 2007 at 8:38 PM
-MB- : That’s why it’s quite important to be promoted before you’re married
bongkersz : So, now you know
December 20, 2007 at 1:05 PM
oh no, i hope i’m not one of those above! ahaha..no no…i’m not! the other time when i was back in miri, i need to get my atm card done, the person in charge there was so nice, despite the very busy morning!
sometimes it makes a difference with just a smile….
erm….is it true that if u kena ‘forced’ to withdraw, u can type the pin code terbalik and the system/atm machine will alarm the police or telan the card so u cant withdraw…
haha.,.
December 20, 2007 at 5:23 PM
lynnwei :
erm….is it true that if u kena ‘forced’ to withdraw, u can type the pin code terbalik and the system/atm machine will alarm the police or telan the card so u cant withdraw?
Answer : You’re given three times. If you failed all three attempt, it’ll be hot card. Means, the card can’t be used unless you report to the bank itself and it must be the card holder that will be making the report. So, it’s dangerous to hold other people’s ATM card because if anything happen, the point – you’re holding a card which is not yours can result in questioning. Like this AMLA (Anti Money Laundering Act) stuffs.
January 7, 2008 at 8:07 PM
[…] Remember the last time I told you about the things you need to know about ATMs? Well, this is just an additional info on the part where you withdraw money, the cash was not dispensed and there’s no slip being printed. What you have to do when you make a report is that, go to your bank and print your statement which shows the transactions that you’ve made on that particular day and also if possible update your passbook because the bank which “took your money away” need to submit that along with your report. – It will make things easier in a way. The nasty part is, there’s always a delay. It can be 2 weeks and sometimes it can be a month, so be prepared. So if you are in dying need of money, I’ll say you can just forget about that. So to prevent all this, read my last post about ATM. […]
June 14, 2009 at 5:40 PM
I work for bank and i dunno about the 20 notes thingy too, coz i’m not in the operation. The point is, bank is quite an organization and a diff dept can be a total diff universe to some ppl. You cant ask a teller to calculate compound interest for u or ask a collection staff about credit cards.
March 7, 2016 at 2:19 AM
Bank in tidak berjaya duit tak di pulangkan