page_title: Automated teller machine
section_title: Fraud
hierarchical_section_title: Automated teller machine / Fraud
caption_attribution_description: English: With red paint made ​​unusable € 10 notes from a cash machine robbery (with the signature of Mario Draghi)
context_page_description: An automated teller machine or cashpoint is an electronic telecommunications device that enables customers of financial institutions to perform financial transactions, such as cash withdrawals, deposits, funds transfers, or account information inquiries, at any time and without the need for direct interaction with bank staff.
  ATMs are known by a variety of names, including automatic teller machine in the United States. In Canada, the term automated banking machine is also used, although ATM is also very commonly used in Canada, with many Canadian organizations using ATM over ABM. In British English, the terms cashpoint, cash machine and hole in the wall are most widely used. Other terms include any time money, cashline, nibank, tyme machine, cash dispenser, cash corner, bankomat, or bancomat. Many ATMs have a sign above them indicating the name of the bank or organisation that owns the ATM, and possibly including the networks to which it can connect. ATMs that are not operated by a financial institution are known as "white-label" ATMs.
context_section_description: As with any device containing objects of value, ATMs and the systems they depend on to function are the targets of fraud. Fraud against ATMs and people's attempts to use them takes several forms.
  The first known instance of a fake ATM was installed at a shopping mall in Manchester, Connecticut in 1993. By modifying the inner workings of a Fujitsu model 7020 ATM, a criminal gang known as the Bucklands Boys stole information from cards inserted into the machine by customers.
  WAVY-TV reported an incident in Virginia Beach in September 2006 where a hacker, who had probably obtained a factory-default administrator password for a filling station's white-label ATM, caused the unit to assume it was loaded with US$5 bills instead of $20s, enabling himself—and many subsequent customers—to walk away with four times the money withdrawn from their accounts. This type of scam was featured on the TV series The Real Hustle.
  ATM behaviour can change during what is called "stand-in" time, where the bank's cash dispensing network is unable to access databases that contain account information (possibly for database maintenance). In order to give customers access to cash, customers may be allowed to withdraw cash up to a certain amount that may be less than their usual daily withdrawal limit, but may still exceed the amount of available money in their accounts, which could result in fraud if the customers intentionally withdraw more money than they had in their accounts.
caption: 10 euro notes from an ATM robbery made unusable with red dye[citation needed]
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