ATM Withdrawal

Financial Services92% confidence

This descriptor indicates a cash withdrawal made at an automated teller machine (ATM), rather than a purchase from a specific merchant.

Varies by your bank or card issuer
contact your bank or card issuer

About ATM Withdrawal

The descriptor "ATM WITHDRAWAL" on your statement refers to cash taken out from an automated teller machine (ATM). It is a generic banking transaction type, not a specific store or merchant. The numbers that follow (such as 005663 or date-like strings) are typically internal identifiers for the ATM terminal, location codes, or transaction references used by your bank or ATM network.

This type of entry appears on your card or bank statement whenever you use your debit or credit card to obtain cash at an ATM. The amount will match the cash you withdrew, plus any applicable ATM or network fees that may be charged separately or included in the same line. The partial card number in parentheses (e.g., (...4583)) is your bank’s way of indicating which card on your account was used. There is no separate merchant website or retail business associated with this line item.

If you do not recognize an ATM withdrawal, first verify whether you or an authorized user made a cash withdrawal around the listed date and for the listed amount. Check your bank’s mobile app or online banking portal for more detailed transaction information, such as the ATM address or network (PLUS, Cirrus, etc.). If the transaction is still unfamiliar, contact your bank or card issuer immediately using the phone number on the back of your card to dispute the charge, request more details, and, if necessary, have your card blocked and reissued.

Bank Statement Variations

1 known variations

These are the raw merchant codes that appear on bank and credit card statements that we've identified as belonging to ATM Withdrawal.

  1. ATM WITHDRAWAL 005663 06/022700 S WA (...4583)

Frequently Asked Questions

Is "ATM WITHDRAWAL 005663" a specific merchant or store?

No. "ATM WITHDRAWAL" is a generic descriptor indicating a cash withdrawal from an ATM. The number (e.g., 005663) is usually an internal terminal or transaction ID, not the name of a store or company.

Why does the ATM withdrawal descriptor include numbers like "06/022700 S WA"?

Those numbers and letters are typically internal codes used by the bank or ATM network. They may encode the transaction date, time, or ATM location (for example, a state abbreviation like WA), but they are not a public-facing merchant name.

How can I find the exact location of the ATM used for this withdrawal?

Log in to your bank’s online or mobile banking and click into the transaction details. Many banks show the ATM address or at least the city and state. If it’s still unclear, call your bank’s customer service and ask them to look up the ATM location for that specific transaction ID.

Why did I get charged an extra fee along with the ATM withdrawal?

Some ATMs charge a usage fee, especially if it’s outside your bank’s network. This fee may appear as part of the withdrawal amount or as a separate line item. Your bank may also charge an out-of-network or international ATM fee depending on your account terms.

What should I do if I don’t recognize this ATM withdrawal?

First confirm that no one else on your account or household used the card. If the withdrawal is still unfamiliar, call the number on the back of your card immediately to report potential fraud. Your bank can block the card, investigate the transaction, and start a dispute or fraud claim if necessary.

Can an ATM withdrawal appear as a pending or temporary charge first?

Yes. Some banks initially show ATM withdrawals as pending or authorized transactions before they fully post. The pending amount should match your cash withdrawal plus any applicable fees, and it will usually settle within 1–2 business days.

How do I get a receipt or proof for this ATM withdrawal?

If you chose to print or email a receipt at the ATM, that slip serves as your primary record. If you no longer have it, your bank statement and transaction history in online banking are your official records. Your bank can also provide a transaction confirmation or statement copy upon request.

Can I reverse or refund an ATM withdrawal if I made a mistake?

Once cash has been dispensed and taken, withdrawals generally can’t be reversed like a card purchase. However, if the ATM dispensed the wrong amount or failed to dispense cash while still charging you, contact your bank immediately. They can open an ATM dispute and work with the ATM owner or network to correct the error.

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