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@Dean37, Thanks for reaching out to us. In order to use any ATM, you would need ATM/debit card for your checking or savings account. The machine will require a four-digit PIN (Personal Identification Number) for the ATM/debit card before it can dispense cash. If you need help getting an ATM/debit card and PIN, please contact us at 1-210-531-8722. Hope this information helps. - Ben