is atm debit or credit card

An ATM card is typically a **debit card** that is directly linked to your checking or savings account. When you use it at an ATM for cash withdrawal, the funds are immediately deducted from your account balance. While credit cards can also be used at ATMs, this is treated as a cash advance and attracts a transaction fee plus immediate interest charges. Therefore, the primary card used for regular cash access at an ATM is the debit card.