Commerce Bank recently updated their ATM menus. It dawns on me now just how bad the user interface design is. It may look more modern, with a slick graphical set of buttons to replace the old almost-DOS feel to the whole process. But there are a couple of things that bother me.
First, the machine doesn’t hold your card while you’re doing a transaction. Now, you have to click a button confirming your transaction is done. If you don’t, the next person walking up to the machine has access to your account and can just pull more money out of your account at will. (I haven’t tested this, but maybe — just maybe — you have to type in your PIN for each transaction? I hope so.) Second, I laughed out loud at the withdrawal system. They tell you that you can only withdraw a dollar amount in multiples of $20. Some might question why the interface would then allow you to type in a number not in such an increment. Wouldn’t an up/down arrow make more sense?
No, the thing that REALLY bothers me is that I have to type in the dollar amount I want to withdraw INCLUDING the cents amount. I’ve never in my life seen an ATM machine that gives you spare change. Why do I have to type the cents? Why give people the option of something they can never get. And you have to do it. If you don’t, that $140 you’re trying to get will look to the machine like $1.40 and be rejected.
Wouldn’t it be simpler if you only had to punch in the dollar amount? Or are they afraid that you, the simple user, are so used to their nonsensical system by now that disrupting it like that would be a bother? I don’t think the ATM would dispense $2000, so it’s not like someone might accidentally overdraw their account while trying to get out $20.