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Zenith Bank ATMs

ATM means Automatic Teller Machine. An ATM is a machine that dispenses cash to account holders. The transaction is initiated and concluded with the use of a magnetic stripe card or smart card.

The ATM card has either a magnetic stripe or a processor (or chip) that allows data or information to be stored or processed in it. ATMs are a quick and convenient way to access money in your accounts.

The benefits of the ATM

	24-hour access to accounts.
	Transfer of funds
	Balance enquiries
	Printing of mini statements and account statements.
	Cash withdrawals, e.t.c.

Checking your balance

	Look at the Screen, Insert your card when prompted to do so, with the red surface facing up and ensuring that the edge with the white arrow sign goes in first.
	Enter your PIN number (4-digit number) using the keypad and press the “PROCEED” button.
	From the list of transaction types, select the “INQUIRY” option. Select “CHECKING” for current account, “SAVINGS” for savings account and "CREDIT" for mastercard account.
	Choose ‘YES’ if you want to do another transaction otherwise ‘NO’ to end transaction.
	Remember to pick up your card on completion of transaction.
NB: Be sure your account type is linked to your card. Making a “BALANCE INQUIRY” on an account that is not linked to your card will generate an error “invalid account selected”

Making a Withdrawal

	Insert your card when prompted to do so, with the red surface facing up and ensuring that the edge with the white arrow indication goes in first.
	Enter your PIN number and press the “PROCEED” button.
	From the list of transaction types, select “WITHDRAWAL”
	Select “CHECKING” if you are withdrawing from your current account , “SAVINGS” to withdraw from your savings account, or Credit to withdraw from your mastercard account.
	Select from the list any amount you intend to withdraw. Otherwise select ‘OTHERS’ if the amount you want to withdraw is not in the listing. Enter the amount you want to withdraw e.g. N15, 500.00 and press the ‘PROCEED’ button to process your transaction.
	Choose ‘YES’ if you want to do another transaction otherwise ‘NO’ to end transaction.
	Remember to pick up your card on completion of transaction.
NB: The maximum amount you can withdraw per transaction is N20, 000.00. While the maximum you can withdraw in a day is N60, 000.00. ie maximum of three transactions per day. However, for non-Zenith customers, you will need to confirm from your Bank the maximum number of times you can withdraw daily.

Changing your PIN Number

	Insert your card when prompted to do so, with the red surface facing up and ensuring that the edge with the arrow indication goes in first.
	Enter your PIN number and press ‘PROCEED’ button to continue.
	Select the ‘NEXT’ button.
	Select ‘CHANGE PIN’.
	Enter your new PIN number and press the Proceed button.
	Re-enter the new PIN again and press the Proceed button.
	Choose ‘YES’ if you want to do another transaction otherwise ‘NO’ to end transaction.
NB: Kindly ensure you end the present transaction and reuse your card by entering your new pinnumber. Then, do a balance enquiry to confirm the pin change was successful.

Fund transfer between accounts

	Insert your card when prompted to do so, with the red surface facing up and ensuring that theedge with the white arrow indication goes in first.
	Enter your Pin number and press Proceed button to continue
	Select “TRANSFER”
	Select the source account (CHECKING for current, SAVINGS, or CREDIT for mastercard account)
	Select your destination account
	Enter the amount to transfer and press the Proceed button
	Choose ‘No’ to complete the transaction or ‘Yes’ to continue with another transaction.

General Notice

	Funds transfer is now enabled for Zenith customers to transfer between their Current and Savings account.
	Keep your card away from your Cell phone, or any magnetic material as its capable of wiping out card information from your card, thereby rendering it useless.
	Be smart enough to pick your card or cash as soon as the ATM ejects it. Further delay might cause the ATM to retain your card or cash.