ATM cameras, just like most ordinary cameras, record everything that is happening in front of it during ATM transactions. Then all recorded photos or videos are stored on the ATM, so bank employees are expected to have physical access to ATMs to get this information. In a case of dispute, they have to go to the ATM, copy the files and bring them to the security office.

ATMs or automated teller machines are electronic machines that are often found outside banks or near a good number of shops and convenience stores. Note that these machines offer a great and unique service to the public by letting them withdraw money from their bank account by simply scanning their credit card as well as type in a previously chosen security code.

A good number of ATM machines use two kinds of cameras. The first camera remains the obvious one that is set up on top or very close to the ATM machine. The second camera tends to be a hidden inside the ATM machine itself to allow it to capture the facial features of the customer.

The obvious camera can help in discouraging any type of crime or suspicious activity near the ATM Machine. Coupled with that, it also helps the viewer to see what is happening around the ATM machine and will present the bigger picture in a better view compared to the small hidden camera.

However, the second and the hidden camera will do a wonderful job of noting potential hackers and thieves who are eager to break into the machine or try to force others into giving them their money using the ATM machine. Although these two cameras see to different needs, their combined footage tells a more definite and complete story, and also make investigations a little easier and smoother.

Basic Functions of ATM Cameras

ATM machines are now fitted with CCTV cameras, offering banks the means to monitor footage and attempt to prosecute criminals. However, you have to understand that this security solution does not really prevent crime but it offers a whole lot of functions, and they include;

  1. Real-Time Response To Attacks

ATM surveillance systems in this modern era can easily report events and incidents in real time. For instance, if attackers try to force a terminal, the bank’s security service receives an alarm notification and event footage and can respond ASAP. However, special alarm sensors will have to be installed on the ATM to realize this function.

Also, note that the system can be configured so that the alarm notifications come to a mobile phone. Additionally, you can set a scenario when any unlawful impact on an ATM occurs. Have it in mind that the scenario could close the doors to the space where the cash machine is located, send a signal to the police, and turn off the terminal.

Once anyone covers the ATM security cameras or a hidden camera, the video surveillance system sends a notification to the bank’s security service, and the officer on duty can turn off the ATM, and criminals will not be able to take away critical information or install any malware on the ATM computer.

Owing to these, modern video surveillance systems in ATMs are able to safeguard both from physical and a range of logical attacks. Various ATM anti-skimming devices and anti skimming technologies like white noise generators can be installed as additional ATM skimming prevention tools. These tools stop data transmission from the magnetic stripe and card readers to the attackers.

  1. Face Detection And Recognition

ATM cameras are known to provide a face detection function. If the face is not detected, the ATM might not cash out and this reduces the risk of some fraudulent actions.

According to experts, face recognition is the next step in modern video surveillance solutions. It can be leveraged as a factor or as a full-fledged way of authorization of ATM users, service personnel, and CIT officers. Also note that it links the user’s face with their transaction, so banks can locate all transactions in which certain individuals were involved.

  1. Access To Photo And Video Of Transactions

The primary function of ATM cameras is to collect and record photos and videos from the atm and store them on a server. Note that the bank can then easily search for the required information about any transaction by various parameters (card number, transaction date, event, or alarm).

The system collects information from all devices of the terminal network, so you can search through your entire ATM fleet. According to experts, this reduces the response time to disputes and requires less effort from the bank to resolve them. In addition, Card details are masked according to PCI Data Security Standard to ensure a high level of personal data security. Only authorized users can access them.

  1. Data Security

In this modern age, ATM cameras record just like traditional CCTVS and when it comes to ATMs, video can help extensively. Firstly, it can help settle customer disputes when its claimed cash wasn’t dispensed. In addition, footage gotten from the video recordings can be cross-transferred with other data to settle wider criminal cases.

For instance, if an ATM was manhandled and a criminal obtained an individual’s bank details and used them fraudulently, CCTVs from banks and shops where the account had been used could be cross-transferred with the ATM footage to find the criminal.


ATM security has turned into an industry in and of itself. Note that ATM transactions are quick and convenient, but the machines and the areas surrounding them can be susceptible to criminal activity if not properly protected. Have it in mind that the use of video surveillance, especially new IP-based security cameras can help to ensure that ATM transactions are safe.

Frequently Asked Questions

  1. How Do You Check ATM CCTV Footage?

You can approach the bank directly and ask for the footage giving a substantial reason. Earlier such footage was given by banks only to the police, however, now even the customers can ask for it. If denied, a customer can also approach the BO against the bank.

  1. Can Banks Check ATM Cameras?

Yes, and with a reliable ATM camera in place – and the right kind of video analytics – banks can very quickly detect suspicious behavior around their ATMs, such as someone lingering at the machine but not making a transaction, which could be a sign that someone is installing a skimming device.

  1. How Do You Get ATM Security Camera Footage

Usually, a bank won’t provide bank security camera footage to individuals. You have to report your case to the police and then the bank will show the camera footage to the police officers after confirmation.

  1. How Long Do ATM Cameras Keep Footage?

Banks generally keep ATM security camera videos for 6 months in accordance with the banking industry standard.

  1. Who Fills Money In ATM Machines?

Apparently, ATMs at banks will be refilled by the bank itself. However, for standalone ATMs, there are a few different options when it comes to the responsibility of refilling the machine. If a business is the outright owner of its ATM, they have the option of refilling the machine on their own.

  1. What Happens If You Deposit Fake Money In ATM?

Depositing counterfeit money into a bank account is illegal, even if you do not know it is illegal. Money passes hands every day, so unless you knew the money was counterfeit, you probably would not go to jail. However, if you try to deposit money and the bank finds it is fake, you will lose the value of the bills.

  1. Do Banks Have Cameras In The Vault?

Yes, banks set up security cameras to provide visual coverage of all areas of the bank, including entry ways, lobbies, teller stations (with one set of cameras observing customers and the other pointed at tellers or directly at cash drawers), security deposit box areas, vaults, ATMs, and non-public internal areas et al.

  1. Can Police Access CCTV Footage?

When it comes to your personal CCTV footage, police can get access to it but it must be in accordance with Section 19 of the Police and Criminal Evidence Act (1984). This states that they can have it if they believe “it is evidence in relation to an offense which he is investigating or any other offense”.

  1. Does The ATM Record You?

Nearly all ATM machines have built-in cameras. They do not record video 24/7, as that would consume a large amount of memory. Instead, they take photos triggered by various things, such as motion-sensing, card insertions, keyboard inputs, vibration sensors, and tilt switches.

  1. Are ATM CCTV Footage Kept?

Yes, ATM CCTV footages are kept by banks for 6 months. Different banks and countries may have different rates.

  1. How Hard Is It To Break Into An ATM Machine?

Thieves can still cause damage to the machine, but it is far more difficult to actually gain access to the vault or cabinet where the money is held. With a top-of-the-line ATM and ample security measures in place, it is quite difficult for a thief to break in and steal money from an ATM.

  1. How Much Money Can You Withdraw From An ATM In UK?

The minimum you can withdraw from a cash machine in the UK or abroad, or in a Nationwide branch using any credit card, is £10 per day. The maximum amount each card holder can withdraw per day from a cash machine is £300.

  1. Can You Manually Enter Your Card Number At An ATM?

Yes, and this is how it works; you inform the clerk that you want to process a debit transaction with cash back and hand him the card. Wait for the clerk to manually enter the card information into his own terminal. Enter your ATM PIN when prompted and select the option to get cash back. Wait for approval of the debit transaction.

  1. Can I Use An ATM Without My Card?

Yes, and it is called cardless withdrawal. Cardless ATMs provide access to your account and allow you to withdraw cash without the need for a physical card. Instead, cardless ATMs rely on account verification via text message or a banking app on your smartphone.

  1. What Happens If ATM Deposit Is Wrong?

If the ATM gave you the wrong amount of money, you should immediately call your bank or credit union. If your bank or credit union does not own the ATM, you should also call the ATM owner. Make sure you keep your receipts and explain what happened.

  1. How Do I Raise An ATM Dispute?

Your first step should be to call the bank’s 24-hour customer service helpline. After making a note of your issue and recording your transaction reference number, the executive will register your complaint and will issue you a complaint tracking number. The matter is then investigated.

  1. What If ATM Gives More Money?

You should contact the owner of the ATM, tell them what happened, then return the money. The ATM machines keep a record of all transactions, including account numbers with how much money was given to each customer.

  1. What Happens To Checks Deposited In ATM?

Interestingly, most new ATMs are equipped with built-in scanners: Feed a check or a dollar bill directly into the deposit slot, and the image is captured and submitted for clearing right away, no manual intervention or extra float time required.

  1. What Tips Can You Give Me For Using An ATM In Foreign Countries?
  • Identify foreign ATMs from your bank and its foreign partners
  • Don’t use credit cards at ATMs
  • Pay in local currency
  • Pick a card with no foreign transaction fees
  • Make sure your travel cards contain EMV chips.
  1. What If The ATM Doesn’t Return Your Card?

Immediately inform your bank. Call the customer service department of your bank and give details of the ATM or place where the card got stuck. The bank will send the replacement card and its PIN through the post to your registered address, usually within 7-10 days.

  1. Is It Better To Exchange Cash Or Withdraw From ATM In Another Country?

Well, the best place to exchange currency is an ATM, which will typically offer better rates and lower fees (depending on your bank and destination). Some cards do have foreign transaction fees of about three percent, but most big banks have done away with such charges, which makes ATMs the best way to exchange currency.

  1. How Often Do ATMs Get Restocked?

In most instances, the company in charge of stocking the machine will be able to work out a refilling schedule based on the frequency of withdrawals from the ATM machine. In some instances, a machine may need to be refilled daily. In other cases, a machine will only need to be refilled weekly or monthly.

  1. Can ATM Withdrawal Limit Be Increased?

Yes, and if you need to withdraw a large amount of money, this is the best and safest way to do it. You can call your bank and ask to temporarily raise your limit, whether the ATM withdrawal or debit purchase limit. This helps when you need to make a one-time purchase that exceeds your current limit.

  1. Can The Bank Find Out Who Used Your Debit Card?

Yes, and as a matter of fact, you can be rest assured knowing that anyone who can process a debit card charge must have a merchant account, which is linked to personally identifiable information about the account holder. Banks make it fairly easy to find out exactly who charged your debit card.

  1. What Transactions Can You Complete At Bank Of America ATMs?

You can get cash, deposit cash, and checks, make transfers between accounts, check account balances and make a payment to your Bank of America credit card. You can also manage your ATM preferences to customize your ATM experience, change your ATM/debit card PIN and view nearby ATM locations.

  1. What Is the Maximum Amount of Money I Can Withdraw at a Bank of America ATM?

The Bank of America daily ATM limit for a checking or savings account is $1,000 per account. This can vary depending on a number of factors, including the type of account or card you have and the amount the ATM is able to dispense.

  1. Does Bank of America Do Cardless ATM Withdrawal?

Yes, Bank of America has advanced its mobile app to include cardless ATM withdrawals and set the stage for its customers to make more payments through wearable devices. BofA customers making withdrawals from an ATM can now initiate that transaction through their mobile banking app.

  1. Can Someone Withdraw Your Money From An ATM Without A Card?

Yes, of course, and there are several ways a crook could get a hold of your debit card number without actually having your card in their hands. They may have placed a skimmer on a gas pump or they may have phished you via email.

  1. Can The Bank Track Who Used My ATM Card?

Yes, but while your bank can track stolen cards, the tracking isn’t perfect. It can only track the card if it gets used. Also, since people usually pay when they are on their way out of a retail establishment, it is reasonable to expect that they would be gone by the time the law enforcement would arrive.

  1. Can Someone Use Your ATM Card Without Your Pin?

No, nobody can use your ATM card without your PIN, but please note that consumers might be surprised to learn that their PIN numbers are stored by merchants they shop at and can be stolen from merchants by hackers.

  1. What Do I Do If My ATM Card Is Hacked?

If you learn that your ATM card information has been compromised, contact your bank immediately to limit the damage the thief can do, and limit your financial responsibility for the fraud.

  1. Can I use my phone to withdraw cash from ATM Bank of America?

Yes. In 2017, Bank of America added Android Pay withdrawals at ATMs. This means that Bank of America (BofA) customers can now make cash withdrawals at ATMs in the US using their mobile phone and Google’s Android Pay mobile payment service.

  1. How Do You Use Your Digital Debit Card In Your Digital Wallet At A Bank Of America ATM?

Adding your debit card to your Digital Wallet means you can get cash using your phone. Just select your card in your wallet and hold your phone over the Contactless Symbol at any Bank of America ATM.

  1. How Do I Pay With My Digital Card Bank Of America?

Use your digital wallet app for things like ride shares, morning coffee, or food delivery services. Add your debit card to your digital wallet and get cash or make deposits using your phone. Just select your debit card in your digital wallet and hold your phone over the contactless symbol at any Bank of America ATM.

  1. How Does A Magnetic Stripe On The Back Of A Credit Card Work?

A magnetic stripe card is a type of card capable of storing data by modifying the magnetism of tiny iron-based magnetic particles on a band of magnetic material on the card. The magnetic stripe, sometimes called swipe card or magstripe, is read by swiping past a magnetic reading head.

  1. How Can Someone Use My ATM Card Without Having It?

There are several ways a crook could get a hold of your ATM card number without actually having your card in their hands. They may have placed a skimmer on a gas pump or they may have phished you via email.

  1. What Happens If ATM Doesn’t Give You Money?

If an ATM fails to give you money, report the problem as soon as possible by immediately contacting your bank or credit union. If a bank other than your own card issuer owns the ATM, it may also make sense to contact the ATM owner. However, bank employees can take your claim in person.

  1. Can Banks Track Stolen Money?

Banks can’t track stolen money except the money is a bait money. Bait money or bait bills are bills with known serial numbers, used by banks to aid the tracing of bank robbers. The serial numbers are recorded by the bank either by making a copy or by listing in a log book. During a bank robbery, if a robber has taken the bait money, details of this can be passed on to the police.

  1. Someone Stole Your Credit Card And Used It At An ATM For A Cash Advance, Can You Use Cameras To See Who It Was?

Yes, if anyone use your ATM to withdraw money or for a cash advance, you can apply to the bank to know who made use of the ATM.

  1. Can Stolen ATM Money Be Traced?

Not really and ATM cash outs remain common, but some criminal gangs set up front companies to pass the money through the business. Tracing the origin of funds in a business with multiple revenue streams and outgoing expenses is downright difficult. Casinos are also popular, as criminals use the stolen money to buy chips for gambling.

  1. Does ATM Work Without Electricity?

No, and this because ATM is just a computer. Most ATMs operate on Microsoft Windows. Just like all computers need a power source to work, ATMs also need a power source to function. Electricity is what powers the ATM. ATMs also need a power backup, like a UPS, to keep it going when electricity from the mains is cut-off so that any ongoing transaction or withdrawal is not interrupted.

  1. Can I Withdraw Money From ATM With Digital Wallet?

Yes, you can withdraw money at any ATM that has the contactless symbol. Open your Google Pay Wallet. Click on the card you wish to use. Tap your phone against the contactless symbol and enter your PIN.

  1. Do ATM Withdrawals Show Up Immediately?

Yes, if you withdraw money from an ATM, the debit goes straight to the available balance as well as the current balance. The available balance is the money that you or the bank can use immediately for transactions.

  1. Do ATM Withdrawals Show Up On Bank Statement?

Yes and this is because, by law, every transaction that touches your account and results in a Debit or a Credit has to show up in your bank statement. In most countries now, the withdrawal amount would be a separate entry from the ATM fees (if applicable).

  1. Do Bank Of America ATMs Comply With The Americans With Disabilities Act?

Yes, that is why the height and reach of the ATM are set to comply with the Americans with Disabilities Act. Bank of America strives to make ATMs accessible for individuals who have disabilities.

  1. Does ADA Apply To Banks?

Yes. The Americans with Disabilities Act (ADA), enacted in 1990, prohibits discrimination against individuals with disabilities in all areas of public life, including employment, schools, transportation, and telecommunications, and it assures their access to all places of “public accommodation,” including banks.

  1. What Does An ATM Need To Work?

Like any other data terminal, the ATM has to connect to, and communicate through, a host processor. The host processor is analogous to an Internet service provider (ISP) in that it is the gateway through which all the various ATM networks become available to the cardholder (the person wanting the cash).

  1. What ATMs Can Bank of America Customers Use?

You can access your accounts at thousands of automated teller machines (ATMs), all of which are audio ATMs. As a Bank of America accounts holder, you don’t incur fees for withdrawals, transfers or balance inquiries at ATMs displaying the Bank of America name and logo.

  1. Can I Get My Check Back From ATM?

Yes. If the machine has not malfunctioned, it is possible the machine will return the check to you. If you are able to get the check back, you can deposit the check at a branch location, or via mobile deposit.

  1. When Will Your ATM Deposit Be Available In Your Checking Account?

Cash deposits are often available right away or within one business day. As for checks, not all banks follow the same schedule, but you can usually withdraw or use the full amount in two business days.