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Chang Hwa Bank ( CHB; Chinese : 彰化銀行; pinyin : Zhānghuà Yínháng; Pe̍h-ōe-jī : Chiong-hòa-gîn-hâng) is a Taiwan -based financial institution that offers both retail and commercial banking services to private and corporate customers.
An automated teller machine ( ATM) is an electronic telecommunications device that enables customers of financial institutions to perform financial transactions, such as cash withdrawals, deposits, funds transfers, balance inquiries or account information inquiries, at any time and without the need for direct interaction with bank staff.
White-label automatic banking machines (ABMs) or White-label ATMs are ATMs that provide an alternative source of cash dispensing vis-à-vis traditional ATMs from banks. White-label ATMs (WLAs) may be operated by an independent ATM deployer .
- Oceania
- Americas
- Asia
- Europe
- See Also
Australia
A number of ATM networks are operated in Australia, the largest are: Commonwealth Bank / Bankwest network with 3,400 machines, Westpac / St George Bank / BankSA / Bank of Melbourne with 2,800 machines, ANZ with 2,300 machines, the rediATM network with 1,800 machines, and National Australia Bank with 900 machines, The ATMs of CommBank, Westpac, ANZ, NAB and others are free to use. ING Australia, which does not operate its own ATMs nor have a branch network, reimburses any ATM fees of customers...
Brazil
In Brazil, banks such as Caixa Econômica Federal, Banco do Brasil, Banco Bradesco, Banco Itaú and Banco Santander operate their own nationwide ATM networks. These ATMs can be found in many locations such as the bank branch itself, kiosks spread throughout a city or even supermarkets, gas stations, shopping malls and post offices, making it very convenient for the customer to make withdrawals and check balances without incurring any fees. There are also no denial fees (i.e. when trying to with...
Canada
A short description of the fee structure one experiences while using Canadian ATMs can be found at the Interac website, while the Financial Consumer Agency of Canadamaintains a chart of the fees typically charged for use of ATMs in Canada. There are two main ATM networks in Canada: 1. Interac ATMs - Most Canadian financial institutions are members of Interac, a multi-bank ATM network founded by RBC, CIBC, Scotiabank, TD, and Desjardins Group in 1984. Before the presence of white-label ATMs, m...
Colombia
Fees and withdrawal amounts differ by network (i.e. Mastercard or Visa) and by the issuing card. Davividenda gets the most reportsfor having zero fees for withdrawals. BBVA has low withdrawal limits.
Bangladesh
There are multiple ATM networks in Bangladesh. Dutch-Bangla Bank has the largest ATM network and also the most member banks. Dutch-Bangla Bank customers are charged BDT 200 yearly as ATM network charge if one has any debit card of the bank. Dutch-Bangla Bank has separate agreements with local and international banks whereby Dutch-Bangla Bank charges BDT 10 (US$0.092) per transaction to member banks. Due to this low amount, member banks often add an extra amount as profit margin.
Hong Kong
There are three ATM networks in Hong Kong: ETC (HSBC and Hang Seng Bank only), JETCO (all remaining banks) and ÆON. ATM use is free of charge when the card is issued by its respective network. Otherwise, HKD$15–30 is paid for service charge for out-of-network cards.[citation needed]
India
In 2014, the Reserve Bank of India (RBI), India's central bank and financial regulator, issued a directive on request from large ATM network and card-issuing banks which expressed concern about the growing cost of ATM network operations, large cash outflows, and other problems. In fact, customers of same bank withdrawing more than 5 times in month were sought to be charged. Present directive reduces Free transaction per month from as five to three with revised charges of INR 20 plus taxes lev...
Austria
Cash withdrawals are free for any owner of an Austrian Maestrocard at a bank. Some independent ATM's – 67 out of 8,500 as of 2016 – charge a small fee (€1.95 in 2016). By law, a warning is given when a fee is charged. In July 2016 it was discussed if a law should forbid these fees or the fee must be displayed clearly during the transaction. Very few, small banks charge an extra fee when one of their own customers uses a different bank's ATM.
Finland
Cash withdrawals are free for any owner of a Finnish bank card or Visa Electron cards on ATM brand "Otto." which is the largest ATM network in Finland. There are smaller rivals which have fees. "Otto." ATMs accept also Visa, MasterCard, American Express and Diners Club credit cards. They also belong to Maestro, Cirrus and Plus networks.Fees depend on card issuer.Some banks do charge fees after a given number of withdrawals within a month.
Germany
German banks generally charge fees for withdrawals at another bank's ATM, both within the national Girocard debit card/ATM scheme as well as when using a debit card's Maestro or V-Payfacility abroad. Fees for withdrawals within the Girocard scheme are all implemented as surcharges (direktes Kundenentgelt) which go from €1.95 up to €5.00 or higher and must be displayed to the customer before the money is given out. All ATMs are connected to the national Girocard interbank network. The ATM owne...
Triton Systems LLC is a manufacturer of automated teller machines (ATMs). Triton ATMs are built in Long Beach, Mississippi. Triton has been in business since 1979, and has nearly 200,000 installations in over 24 countries.
An ATM controller (ATMC) is a system used in financial institutions to route financial transactions between ATMs, core banking systems and other banks. An ATMC is sometimes referred to as an "EFTPOS Switch."
Automated teller machines (ATMs) are targets for fraud, robberies and other security breaches. In the past, the main purpose of ATMs was to deliver cash in the form of banknotes, and to debit a corresponding bank account.
