Errant ATM Keystroke, Extra Charge
I got bit by a usability issue at a Cardtronics ATM a few days ago. I usually use a particular ATM near my house because, despite requiring a $2 fee, it allows me to take out more than other ATMs a little farther away. To minimize the fees, I always take out the maximum allowed, $400. I’ve got the keystrokes down pat, well nearly pat. I fat-fingered a key at this screen.

The ATM is prompting me to select a denomination by pressing a push button on either side of the screen. In the past, I’ve discovered that I don’t really have to press the button associated with “Other.” Instead, on the keypad below, I can just enter 4 0 0 and it’ll accept it as $400.00. Well, instead of pressing the 4 on the keypad to start entering 400, I bumped the 5 key. Surprise, surprise. Instead of starting to enter a dollar value starting with a 5, it interpreted this as identical to pressing the quick-withdraw button next to the $20 selection on the screen.
Realizing that I was going to be charged $2 for a non-$400 transaction, I tried pressing Cancel and Clear in vain. I spit out a single $20 and my transaction receipt. I was a little mad. And I ended up going through another transaction to get my $400, and paying another transaction fee.
So what happened? The screen does not indicate any sort of accelerator or hotkeys for automatically selecting one of the common withdrawal amounts. That’s what the physical buttons to the sides of the screen are for. Also note that the machine only dispenses in multiples $of 20 and only dispenses up to $400. In other words, you are not allowed to take out $5, $50, or $500. The machine seems to interpret even numbers as implicitly meaning an “Other” amount and doesn’t require you to press that lower-right button. But if you enter an odd number, it treats it as an invalid input…and instead of telling you so, it instead treats it as a request to take out the smallest amount possible.
Well this seems like a bit of a scam. After all, I can explicitly press “Other” and, on the next screen, enter 5 0. It tells me that this is not an allowed amount. But on this screen instead of telling me the same thing, it decides to make me pay the highest fee-to-dispensed-amount ratio; that’s 10% fee for the mathematically challenged!
In the end, I followed Cardtronics instructions for getting my fee back and my financial institution took care of the claim. I also called Cardtronics and explained what happened. The service representative seemed to understand the issue. But I had to press her to forward the usability issue on to someone else. In the end she said she’d tell the staff that does the software updates for the machine, but it didn’t sound like much was going to get done about it.
So I called back, got a hold of an operator, and explained the issue to her. She put me through to the voicemail of some one who supposedly can do something with my feedback. I’ll provide an update about where this goes, if anywhere.
UPDATE: See here for what transpired.


