Welcome to the Future of Banking: Features and Benefits of Smart ATMs

Smart ATM

By Jennifer Tucker
January 10, 2023 | 4 Min. Read

Discover the Convenience and Security of Smart ATMs

Maybe you can picture yourself in this scenario: you wake up with a long list of errands, one being a trip to your credit union to deposit a check and make a loan payment. With your list in hand, you set off. As you approach the branch, you notice a long line inside. Your heart sinks because you’re in a hurry.

Then, you see a glimmer of hope. There’s a Smart ATM next to the entrance. With just a few taps on the touchscreen, you discover you can take care of a range of transactions. You deposit your check and easily make your loan payment. Two tasks checked off your list!

But the Smart ATM features don’t stop there. You realize you can check your account balance and then decide to withdraw money for the weekend. You tap the option to withdraw cash and are pleasantly surprised when the machine dispenses the exact denominations you need. No need to wait in line for a teller!

Convenient, time-saving features like these are exactly what you need when life gets hectic. And now that ATMs are increasingly sophisticated, you can do more than make a simple deposit.

What is a Smart ATM?

A smart ATM is an ATM that’s capable of so much more. Deposit funds, transfer money, make payments, and even change your debit card PIN without setting foot in a branch. These innovative machines will make you a believer in the power of technology to simplify our lives, one transaction at a time.

What are the benefits of a Smart ATM?

In many ways, Smart ATMs are regarded as the future of banking. Advanced technology has made contactless banking widely available, more intuitive, safer, and more secure. Here are some of the benefits of using a Smart ATM:


Smart ATMs have a touchscreen with more functionality than traditional keypad ATMs, including the ability to leave a signature. Most of us are accustomed to using touchscreens, which makes using a Smart ATM easy and intuitive.

Smooth transactions

Digital technology has dramatically increased the type of transactions you can perform at an ATM while maintaining safety and security. Smart ATMs are increasingly used to supplement or replace face-to-face banking, thanks to their convenience and accessibility.

Seamless service

Many of us frequently use ATMs, but we’re bound to find a reason to venture inside a branch occasionally. With their advanced functionality, Smart ATMs help banks and credit unions extend their interactions and expand their services to allow you to bank on your terms.

Enhanced security

Beyond convenience and ease of use, Smart ATMs provide a high level of security and can help reduce fraud. From card chip technology to card-less transactions, advanced technologies are making it more difficult for fraudsters to steal information or compromise ATM software.

What are the features of a Smart ATM?

Smart ATMs have transformed the way we bank today

With your debit card in hand, you can use any Marine Credit Union Smart ATM to perform a range of transactions:

Deposit checks or cash

Use a no-fee ATM to deposit checks or cash easily without waiting in line for a teller.

Withdraw cash in your preferred denominations

You can customize your cash withdrawals with the bill denominations that suit your needs.

Check your account balance

Stay on top of your finances and keep your goals within reach by checking your account balance anytime.

Transfer funds between accounts

Effortlessly move money between your accounts to keep your budget in check.

Make loan payments

Manage your loans with ease by making payments directly at the ATM.

Change your debit card PIN

You can update your debit card PIN quickly and securely, providing an extra layer of protection for your accounts.

Marine Credit Union Smart ATMs also feature dual screens for easy viewing, with all personal information displayed on the lower screen to safeguard your privacy. The keypad is covered to enhance security and give you peace of mind while conducting transactions.

Smart ATMs: Frequently Asked Questions

What does ATM stand for?

ATM stands for automated teller machine. ATMs have been around since the late 1960s and have evolved over the years with advancements in technology. Smart ATMs have made banking even more convenient and accessible by providing 24/7 access to a wide range of services.

Can you deposit cash at an ATM?

Yes, you can deposit cash at many ATMs, including any MCU Smart ATM.

What security does an ATM have?

ATMs have various security features, including PIN entry and card encryption. Many also have physical safeguards, like tamper-resistant casings, covered keypads, anti-skimming devices, and alarms to deter criminals.

What are the security threats of ATMs?

There are several security threats to be aware of when using an ATM, including the potential for card skimming, card trapping, cash trapping, and card cloning. Criminals use these tactics to attempt to steal card information and money, or compromise ATM software.

What technology is used in ATM machines?

ATMs use a combination of hardware and software, including card readers, PIN pads, and cash dispensers, and they run on secure operating systems. Some Smart ATMs also incorporate biometric authentication and advanced security measures to protect data and secure transactions.

Everything you need, anytime you want.

Looking for a Smart ATM near you? You can find a Smart ATM at any Marine Credit Union location. Smart ATMs let you do almost everything you can do inside the branch, from making a loan payment to depositing cash to withdrawing funds. Plus, our no-fee ATMs are available 24 hours a day, freeing you from the constraints of branch hours.

Bank on your terms. Experience a new level of convenience and security with Smart ATMs.

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