You'll find Demerara Bank ATMs at these locations:

• Branches: Main Branch, Corporate Office, Rose Hall, Corriverton, Essequibo, Mahaica, Diamond, Leonora and Beterverwagting. Diamond, Leonora and Beterverwagting have drive-up ATMs.
• Off-site: Amazonia Mall, Guyoil on Regent Street and Movie Town.

1. Insert your card and enter your PIN.
2. Select Deposit.
3. Choose the account you're depositing into.

The next step depends on the ATM you're using.

Instant deposit ATMs

EssequiboMahaicaDiamondLeonoraBeterverwagting

You don't need an envelope. Put your cash straight into the slot, and the machine will count it and add it to your account right away. Please make sure that:

• You're depositing Guyana dollar notes only. Notes of any value are accepted, from $20 all the way up to $5,000, but no coins or foreign currency.
• The notes are loose, not held together with rubber bands, clips or straps.

Envelope deposit ATMs

Main BranchCorporate OfficeRose HallCorriverton

Put your cash or cheque in an envelope and drop it into the deposit slot. Please make sure that:

• You're depositing Guyana dollar notes only. Notes of any value are accepted, from $20 all the way up to $5,000, but no coins or foreign currency.
• The envelope holds no more than 50 notes, so it slides through the slot smoothly without getting stuck.
• The machine has accepted your envelope before you walk away.

At these ATMs, cash deposited before 1 p.m. is credited the same day, and cash deposited after 1 p.m. is credited the next business day. Cheques go through the standard clearing period.

For your convenience, you can withdraw up to GYD $200,000 a day at any of our ATMs, and you can take out the full amount in a single transaction.

Withdrawing abroad: The same limit applies when you use your Visa card overseas. The ATM converts GYD $200,000 at the current exchange rate and lets you withdraw up to that amount in the local currency.

Need a higher limit? Send the bank a written request, and we'll consider raising your daily withdrawal limit.

Our ATMs give out GYD $5,000 and $1,000 notes when you withdraw cash.

Yes. Just choose the receipt option during your transaction and the ATM will print one for you, free of charge.

Yes! You can withdraw cash at any other bank's ATM that accepts Visa, and a fee of $340 applies to each withdrawal.

Here's what using our ATMs costs:

• Cash withdrawals with your Demerara Bank card: $50 per withdrawal.
• Cash withdrawals with another bank's card: $340 per withdrawal.
• Balance checks, deposits and transfers between your accounts: free.
• Deposit discrepancies: at our Main Branch, Corporate Office, Rose Hall and Corriverton ATMs, deposits are processed later. If the amount we count doesn't match the amount you entered, a $500 fee applies for each discrepancy.

Your PIN, or Personal Identification Number, is the secret code you enter whenever you use your card at an ATM. You can't change it at our ATMs. To change it, just visit any of our branches with a valid ID, and we'll take care of it for you.

If you've forgotten your PIN, visit your nearest branch with a valid ID, and we'll help you set a new one.

For your security, the ATM will keep your card if the wrong PIN is entered 3 times. To get it back, bring a valid ID to the branch where the ATM kept your card, or visit any other branch and we'll have your card sent there.

At a Demerara Bank ATM

Your card will be kept safe in a secure bin under dual control. To collect it, you have two options:

• Fastest: visit the branch where the ATM kept your card and bring a valid ID.
• Another branch: visit any other branch and ask for your card. We'll have it sent there and let you know when it arrives, so you can come back with a valid ID to collect it.

At another bank's ATM

The other bank will send your card to Demerara Bank, and you can collect it from us with a valid ID once it arrives. If you'd rather not wait, or you're worried your card may have been compromised, you can ask us for a replacement card instead.

Don't worry, your money is safe. We balance our ATMs every day, and if one didn't give out your cash, we'll check it and return the amount to your account. This usually happens the same day, but it can take 2 to 3 days.

1. Always be aware of your surroundings. Before you use the ATM, look around. If anyone nearby is loitering or makes you uneasy, don't use the machine. Come back later or use another ATM. If someone approaches you during a transaction, cancel it, take your card and leave.
2. Guard your privacy at side-by-side ATMs. Some of our locations have ATMs next to each other without dividers. Stand close to the machine, shield the screen and keypad, and if someone at the next ATM is too close for comfort, wait until they've left.
3. Cover the keypad with your hand when you enter your PIN.
4. Make sure your deposit goes in. Before you walk away from an envelope deposit ATM, check that your envelope has gone all the way into the deposit slot. Never leave it on or near the machine.
5. Check the ATM before you use it. If the card slot or keypad looks loose, damaged or unusual, don't use it, and let us know.
6. Keep your PIN private. Don't write it down or share it with anyone, not even bank staff.
7. Put your cash and card away right away, and take your receipt with you.