ATM access refers to the ability to use an Automated Teller Machine to perform banking transactions. This includes withdrawing cash, checking account balances, and depositing money. ATMs are typically available 24/7, providing convenience for users outside of regular bank hours. To access an ATM, users need a bank card and a Personal Identification Number (PIN). Most ATMs are connected to a network that allows customers to use their cards at various machines, even if they are not at their home bank. This widespread availability makes it easier for people to manage their finances on the go.