ATM Banking Simulation Introduction

Students use our ATM banking simulation to learn introductory skills necessary to perform ATM banking. This is an introduction lesson to using the Money Instructor Online ATM simulator (MI Bank ATM).  Students are given information on how to access the interactive ATM and guided to use the ATM by performing simple steps to withdraw money from their account..

Teaching Objectives

  • Students learn what an ATM is.
  • Perform simple ATM operations including withdrawing cash from an ATM.
  • Familiarize students with modern banking methods.

Suggested Grade Level

7th – 12th Grade. Adult life skill education. Special Education.


ATM Overview

The ATM, or Automatic Teller Machine, is a machine that dispenses cash to bank account holders.  ATMs are used as a convenient way to check your bank account balances, get cash, make account transfers, and make a deposit into your accounts.

To use an ATM, a bank card is required.  The ATM card has a magnetic strip or a chip that communicates with the ATM machine.  Along with an ATM card, you have a password, card a pin number. You should keep your pin number secret, and never share it with anyone. Also, if you ever lose your ATM card, you should report it to your bank immediately. To begin use of an ATM, you normally will insert your card and enter your pin number.

Using an ATM is not always free. Many banks charge a small fee to do an ATM transaction or use their service. Sometimes it is free to use your own bank's ATM rather than an ATM owned by another bank. You should check with your bank to see what service fees there may be, if any.

ATM machines are located in many banks, grocery stores, etc. and may be located inside and outside of buildings. Be aware of the location and surroundings and try to make sure it is safe to use before using. If you feel uncomfortable, cancel the transaction and go to a different ATM.

When you are done using the ATM, be sure to get your bank card, your receipt, and any money you may have withdrawn.


Lesson Instructions

Students will be guided on how to use the MI Bank ATM simulation.

Print out the lesson worksheet. The worksheet includes step by step instructions for signing into the online ATM simulation and includes questions to be answered by the student. Students should follow the the instructions on the worksheet. Internet access and access to a modern web browser are necessary to access the ATM bank simulator. Access is available via computer, tablet, ipad, etc.

Review the following terminology with students:

  • ATM
  • Savings Account
  • Checking Account
  • Bank Account
  • Withdrawal
  • Account Balance
  • ATM Card
  • Pin number


Lesson Worksheet

The lesson worksheet includes the steps necessary to access the ATM bank simulator. Each time you click on the link below, a new random worksheet will be created. Each student in your class may use a copy of the same worksheet. To generate a new worksheet, simply click the link again.

Get Lesson Worksheet



Do I need to generate a separate worksheet for each of my students?

No. If you want all of your students to answer the same exact questions, then you can generate a single worksheet and students may sign into the bank with the same user id and password. Each time they sign in, the ATM resets for answering the questions.

Do you need help or additional lessons?

Do you have a need for additional ATM banking material? Would you like a more advanced version of this lesson? Also, please let us know how you found this lesson and if it fit your teaching needs.

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