ATM/CDM yodzichitira yokha yolipira bilu, ndalama zolipirira/zoperekera ndalama, maakaunti osamutsira ndalama
Makina ogwiritsira ntchito ndalama okha (ATM) ndi Makina Osungira Ndalama ndi chipangizo cholumikizirana chamagetsi chomwe chimalola makasitomala a mabungwe azachuma kuchita zochitika zachuma, monga kuchotsa ndalama, kapena kungoyika ndalama, kusamutsa ndalama, kufunsa zandalama kapena kufunsa zambiri za akaunti, nthawi iliyonse popanda kufunikira kulumikizana mwachindunji ndi ogwira ntchito kubanki.