ATMs are no longer just machines for cash withdrawals. In 2025, many banks are adding customized transaction preferences that let customers save time and streamline their experience. From setting default withdrawal amounts to choosing a preferred language or receipt style, these features are turning ATMs into personalized banking hubs.
What Are Customized ATM Preferences?
Customized transaction preferences allow customers to preset their most common choices. Instead of re-entering the same options each time, the ATM recognizes your card or profile and applies your saved settings automatically. This creates a faster, smoother process — especially for those who use ATMs frequently.
- Default withdrawal amounts (e.g., always $100 or $200)
- Preferred bill denominations (such as $5 bills or $10 bills)
- Language settings for accessibility
- Paper vs. digital receipts
- Quick balance display or skip balance option
How It Works
When you insert your debit card or use cardless ATM access, the machine identifies your profile. Your preferences are either stored on the card’s chip or in the bank’s system. Once recognized, the ATM automatically adjusts settings so you can complete a transaction in just a few taps.
This approach reduces errors, shortens wait times, and makes the overall ATM process more efficient. Some banks even allow you to set preferences directly from their mobile apps and sync them with your ATM profile.
Banks Offering Personalized ATM Services
Several large U.S. banks have introduced customized ATM features in recent years. For example, Chase allows users to set “Favorite Transactions” like fast cash amounts, while Wells Fargo provides quick cash withdrawal presets. Regional banks and credit unions are also adopting these upgrades as part of their modernization efforts.
Not every ATM in a bank’s network may support personalization, so check your bank’s mobile app or website for compatible machines near you.
Benefits of Customized Transaction Preferences
- Speed: Save time by skipping repetitive prompts.
- Convenience: Get the denominations and receipt style you prefer every time.
- Accessibility: Helpful for customers with language or visual preferences.
- Consistency: Ensures a familiar experience at any ATM that supports the feature.
For frequent travelers or business owners who rely heavily on cash, these options can reduce frustration and improve reliability — especially when combined with higher ATM withdrawal limits.
The Future of Personalized ATM Banking
Customized transaction preferences are just one step in the evolution of ATMs. Banks are also adding biometric authentication, touchless transactions, and other ATM technology innovations. As personalization expands, customers can expect ATMs that feel more like an extension of mobile banking — smart, fast, and tailored to individual needs.
Final Thoughts
By offering customized transaction preferences, banks are reshaping the ATM experience for speed, convenience, and accessibility. If your bank supports these features, take a few minutes to set your preferences — you’ll likely save time and reduce hassles with every visit.
Looking for more ways to optimize your ATM use? Explore our guides on avoiding ATM fees and comparing withdrawal limits across major banks.