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Some ATMs in Canada do make you take your card first before dispensing the money if it's not your last transaction. Others display a "Remember to take your car

by Avernar 11y ago

Some ATMs in Canada do make you take your card first before dispensing the money if it's not your last transaction. Others display a "Remember to take your card" message. Others have a beep and flashing light near the card slot. There really is no standard.

zyxley 11y ago
For what it's worth, every ATM I've ever used here (a major city in the US) has made you take the card back before continuing the transaction. That said, they've all used a "insert card -> remove card -> enter PIN -> perform transaction" flow rather than the "insert card -> enter PIN -> remove card -> perform transaction" flow mentioned in the article.
- manume 11y ago
  Interesting! We've noticed the behaviour described in the article at several ATMs in Montreal. Maybe a Québécois thing?
  - ar0 11y ago
    That would make sense, as I have noticed the same thing in Québec City and was rather confused about it. For me, returning the card first makes so much sense that I wondered how people could implement this differently. A lot of people will grab the cash, their brains will subconsciously tell them "I have what I came here for" and they will leave - without their card. I see really only one potential advantage for doing it this way: you can provide other transactions after dispensing cash. So you could get some cash and then afterwards check your balance, for example, without having to re-enter card and PIN code. With the "international model", cash withdrawals are always the last transaction in the series as the card will always be withdrawn as part of the transaction. Nevertheless, I would judge this "convenience factor" as far less important as the protection against forgotten cards. But maybe someone here works in the Canadian banking industry and has some clues? Maybe the recording of the withdrawal transactions works differently and the ATM needs the card for a short period after the money has been dispensed? I don't know...
    - manume 11y ago
      Yes, multiple (trans)actions in one session are a use case where it would make sense to keep the card until the end. I'd say it would still make sense to return the card before the cash and have the user insert it again - a small inconvenience for the few users that want to do multiple actions but probably a big decline in forgotten cards.

by Avernar 11y ago

zyxley 11y ago

For what it's worth, every ATM I've ever used here (a major city in the US) has made you take the card back before continuing the transaction. That said, they've all used a "insert card -> remove card -> enter PIN -> perform transaction" flow rather than the "insert card -> enter PIN -> remove card -> perform transaction" flow mentioned in the article.

manume 11y ago
Interesting! We've noticed the behaviour described in the article at several ATMs in Montreal. Maybe a Québécois thing?
- ar0 11y ago
  That would make sense, as I have noticed the same thing in Québec City and was rather confused about it. For me, returning the card first makes so much sense that I wondered how people could implement this differently. A lot of people will grab the cash, their brains will subconsciously tell them "I have what I came here for" and they will leave - without their card. I see really only one potential advantage for doing it this way: you can provide other transactions after dispensing cash. So you could get some cash and then afterwards check your balance, for example, without having to re-enter card and PIN code. With the "international model", cash withdrawals are always the last transaction in the series as the card will always be withdrawn as part of the transaction. Nevertheless, I would judge this "convenience factor" as far less important as the protection against forgotten cards. But maybe someone here works in the Canadian banking industry and has some clues? Maybe the recording of the withdrawal transactions works differently and the ATM needs the card for a short period after the money has been dispensed? I don't know...
  - manume 11y ago
    Yes, multiple (trans)actions in one session are a use case where it would make sense to keep the card until the end. I'd say it would still make sense to return the card before the cash and have the user insert it again - a small inconvenience for the few users that want to do multiple actions but probably a big decline in forgotten cards.