actually for ATM it depends on which bank card u using and at which atm u w/draw.

Eg. If u're MBB customer then u go w/draw at ambank atm then face this prob, then first thing u have to report to your OWN bank as your a/c is with them so they can check ur a/c is debited and after that they will lodge a report to AMBANK and ask them to refund to your a/c. Which usually takes 14 working days or 1 month. It differ from bank to bank.

2nd example is if you w/draw at your own bank if it's a branch ATM then u can just refer to the same branch tomorrow to request for the refund as they will check the excess money in the ATM machine and sequence number before they refund it to you.

3rdly is the part whereby you w/draw at NO Branch ATM at all meaning some ATM at shopping complex. That one also will take longer time as they need to report to HQ on this and only then they will refund accordingly.

So it's safer to w/draw at your own bank and if possible nearest BRANCH ATM also to avoid late dispute.

Hope that clarifies but nevertheless never have prob with CIMB machine yet. But atm machine do have time frame for u to take out the card and money so just make sure once the machine is counting the money just get ready to grab ur ATM card hahahaa then follow by cash . Slip leave it there til u done then grab it =D

This post has been edited by famous: Feb 17 2011, 09:30 PM