easiest way, go to the branch tomorrow and meet the manager in person.
tell them if they still didn't give you a reasonable reason you will complain to bank negara.
this is enough to scare them out.
as what they do is unreasonable, the reasonable waiting period should be 2-3 working days.

i experienced the same case too, the receipt shows money withdrew but in actual nothing come out.
luckily Maybank credit the amount back to my account automatically even before i made a complain.
probably the chip can only verify my status but can't send or receive to command to withdraw money due to some residue on it that causes it unreadable.

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Added on June 23, 2009, 8:56 amfor safety side, do rube the chip of your atm card/cc frequently.
this is one of the cons for chip.

This post has been edited by sjz: Jun 23 2009, 08:56 AM