The Automated Teller Machine (ATM) is a self-service machine that dispenses cash and performs some human teller functions like balance enquiry, bills payments, mini statements and so on. ATM transactions are carried out through the use of a debit/credit card which enables the card holder(s) to access and carry out banking transactions without a teller.

Features

First Bank is deploying 2 types of ATMs

1.  Cash Dispensing ATMs 
• Fund Transfer
• Linked Account Transfer: Transfers between FirstBank Accounts (Current or savings) linked to same card.
• Inter Bank Transfer: Transfers from your FirstBank account to other banks’ accounts.
• Intra Bank Transfer: Transfers from your FirstBank account to other accounts within First Bank.
• Account Balance Enquiry: This is for all Account (both savings and current) holders’ nationwide.
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• Mini Statement: This feature allows a customer print the last eight transactions on own account.
• Cash Withdrawal: 24/7 access to cash as the customer can withdraw cash from own account at any First bank ATM at any time.
• PIN Change: It allows you to do a PIN change on FBN cards.
• Cardless Functionality: Transferred funds can be collected without the use of a card at any First Bank ATM.
• Quick Teller Option
• Airlines: Payment for Pre-booked Aero Air Tickets and others.
• Air Time Recharge: This feature enables customers to recharge mobile phones via the ATM and can be done in two ways;
• Virtual Top Up: The customer gets phone credits topped up automatically by increasing the previous credit balance by the amount requested. This is available for MTN, Zain and Glo network.
• Bill Payment: You can pay for utility bills like DSTV & HITV subscription fees and GSM Postpaid bills.
2. Cash Deposit ATMs
   In addition to the features above First Bank cash deposit ATM also allows any Customer to deposit into First Bank Account using the ATM. It is done in two ways;
• Card based cash deposit: Initiated with a Verve or Naira MasterCard card and cardholders can only deposit into the account(S) linked to the debit card.
• Cardless cash deposit: Allows deposits into any First bank account without the use of a debit card.