Your bank has suspected some sort of fraudulent use. You have an insufficient balance. You might be using a faulty/damaged card. Your card has expired.
An ATM can retain your card for various reasons. Some of the most common reasons are: An out of order or malfunctioning ATM due to technical issues. If you lost your card, blocked it, later recovered it and tried to use it without unblocking it, your card may be swallowed by the ATM.
Your card may be declined for a number of reasons: the card has expired; you're over your credit limit; the card issuer sees suspicious activity that could be a sign of fraud; or a hotel, rental car company, or other business placed a block (or hold) on your card for its estimated total of your bill.
You can use your debit card in stores, online, and at ATMs.
If the card is wrongly inserted, it will likely get stuck in the ATM. So, first, ensure the transaction is cancelled. Most ATMs now have a button under the card slot, which you should press to dislodge a card. But if the ATM isn't fitted with the button, the bank can retrieve the jammed card upon intimation.
If you know your PIN you can unblock your card at most ATM's by doing the following: enter your card and PIN into the ATM. select 'PIN services' select 'PIN management'
Under the Electronic Funds Transfer Act, your financial institution is obligated to investigate the ATM mishap within 10 days (45 days if the bank is willing to credit the missing fund amount). They are required to notify you in writing once the inquiry is resolved. File a complaint.
Fraudsters can still use your debit card even if they don't have the card itself. They don't even need your PIN—just your card number. If you've used your debit card for an off-line transaction (a transaction without your PIN), your receipt will show your full debit card number.
Unfortunately, in all likelihood, if the card hasn't come out by now you will not get it back, at all. For security reasons, all cards – from any bank – that is retained by a cash machine is bound by the card issuer and card scheme rules to destroy the card immediately to prevent fraud.
It could be one of several things, not enough money in your account, expired debit/ATM. Card, or you have forgotten your PIN number and the ATM will keep rejecting your card until you contact your bank. There is a phone number on the back of your card to call customer service.
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, but your bank has the ultimate power to fix the situation.
Fraudsters can get ahold of your card details in a few different ways—one of them being through an ATM card skimming device. Nefarious parties can also gain access to old bank statements or debit cards, or direct you to make a payment on a fraudulent website that collects your details.
Skimming — Skimming is when criminals install illegal devices at ATMs, gas pumps and other point-of-sale terminals that record debit card numbers and PINs. Spoofing and phishing — These are practices where thieves imitate a trusted source, such as a family member or company, with fake emails or websites.
A criminal might decide to steal either an ATM or POS terminal. Cash can be pulled from the ATMs, but both types of machines could store card numbers if misconfigured. A stolen machine is also valuable in order to learn about weaknesses or ways to physically attack it.
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.
Bank investigators will usually start with the transaction data and look for likely indicators of fraud. Time stamps, location data, IP addresses, and other elements can be used to prove whether or not the cardholder was involved in the transaction.
A concealed camera is typically used in conjunction with the skimming device in order to record members typing their PIN into the ATM keypad. Cameras are usually concealed somewhere on the front of the ATM.
Although ATM robbery has drastically increased in recent years, it's still relatively rare when you consider the large number of ATM machines in operation. However, there are many precautions you can take to protect yourself and your business from theft, vandalism, and loss.
Use your bank's ATM whenever possible.
Free-standing ATMs, such as the kind you might see in grocery stores or malls, may be easier for criminals to tamper with than an ATM that's located at your bank.
The lifespan of ATM equipment depends upon exposure to the elements and rapidity of new updates. However, you can expect a new ATM machine to last around 15 years. A well-refurbished ATM machine can last around ten years, all things considered.
If your card is still locked after 15 days, you may need to contact your issuer to have it unlocked. If you report your debit card lost or stolen, your card will be locked, and you will not be able to use it. Your bank will then issue you a new card.
On debit cards, depending on the balance in your bank account, blocking could lead to charges for insufficient funds while the block remains in place.