5 Reasons People Still Use ATMs

Technology is continually changing and it has had a huge impact on the way that people spend their money. In recent years, many are making the decision to shop online and use plastic for their day to day purchases. With the way things have shifted, it might seem like ATMs are obsolete, but that is not the case at all. Here are 5 reasons that countless people still use them regularly.

Identity Theft

This is a real issue that many people face daily. Every time you use a credit card for an in-person or virtual purchase, there is a chance you may become a victim of identity theft. Instead of placing themselves in a vulnerable position, there are some who would rather pay with cash, hence the use of the ATM.

Merchant Availability

Whether you believe it or not, there are still merchants out there who do not allow people to pay for purchases with anything other than cash. While this may seem a bit archaic, the cost of credit card transactions and other factors act as a deterrent.

In addition to those who only take cash, you also have to worry about those who require a minimum purchase and/or add a fee when you are using a card. Those who prefer to avoid randomly adding things to their cart in an attempt to meet a predetermined minimum will fare better if they have cash on hand. It is highly recommended for most storefront businesses to buy an ATM machine for their customers.

Controlling Spending

It is very easy to overspend when all you need to do in order to make a purchase is pull out a piece of plastic and swipe. You can have a substantial amount one moment and be worrying about your financial health after swiping one time too many. Having cash on you is an excellent way to control the amount of money you spend. The only amount you will have access to is what you have on hand, so there will be no worries when it comes to buying more than intended.


There are some businesses that offer customers lower prices if they pay with cash. Gas stations, heating oil companies and car dealerships are all places that sometimes offer deals to those who are not paying with plastic. For this reason, heading to the ATM on your way there would be a wise choice.

Parental Duties

Snacks, field trips and school lunches are a few things that often require people to pay in cash. While there are some schools that permit parents to add money to an account for their child, this is not widely available. If you are a parent, it would be a good decision to take a few dollars out of the ATM every once in a while just in case it is necessary.

Even though the world is gradually shifting and becoming more dependent on plastic and online currency, there will always be a need for cash. With that being said, this is why ATMs are still as popular as ever after all these years.