Cardholder-originated transactions include purchase, withdrawal, deposit, refund, reversal, balance inquiry, payments and inter-account transfers.

Gone were the days when ATM is only for cash withdrawal or balance inquiry.

Most commonly they impose a fee for withdrawals, but some also charge for balance inquiries, deposits and transferring funds.

The non-transaction-based services of an informational nature are however essential for conducting transactions - for instance, balance inquiries might be needed before committing a money remittance.

ATM cardholders from both banks can avail of each other's withdrawal, balance inquiry and cash advance services free of charge.

On Citibank's touch-screen automatic teller machines, customers can perform 65 different banking transactions, like cash withdrawals, deposits, transfers, payments and balance inquiries.

Cash deposit and balance inquiry in an ATM in 20 secs.

Services by phone or computer: Phone services include bill payment, balance inquiries, check histories, deposit records, transfers among accounts.

For example, a cash machine might have separate Context classes for money transfer, withdrawal, deposit, balance inquiry, and so forth.

Keypad - The keypad lets the cardholder tell the bank what kind of transaction is required (cash withdrawal, balance inquiry, etc.) and for what amount.