What is the main purpose of an ATM card?

The main purpose of an ATM card is to enable customers to access bank accounts for transactions without visiting a branch. This functionality allows customers to perform various banking operations such as withdrawing cash, depositing money, checking account balances, and transferring funds at automated teller machines (ATMs). With the convenience of an ATM card, customers can manage their finances more efficiently and have greater flexibility in accessing their accounts anytime and anywhere there is an ATM. This is particularly important for promoting self-service banking and enhancing customer satisfaction.

The other options focus on features or limitations that don’t accurately reflect the primary function of an ATM card. For instance, while access to credit is important, it is typically associated with a credit card rather than an ATM card. Additionally, limiting withdrawals or requiring checks pertains to policies that might exist within a banking system but are not the fundamental reason for the creation and use of ATM cards.