The study explores the use of automated teller machines (ATM), service at United Bank for Africa Osogbo branch. To carry out the research, survey (ex – post – facto) research design was adopted. The target population for the study comprises all commercial banks in Osun state Nigeria but because of time and cost implications, two hundred (200) customers were randomly selected to constitute the sample population for this study. An instrument tagged” Assessment of Automated Teller Machines” was used to collect the data for the study. The instrument is self – constructed by the Researchers. The data collected were subjected to statistical scrutiny such as Mean, Mode, median, Frequency count, percentage spread and standard deviation. The main statistical method used to analyze the data and answer research question is Chi – square statistics. The finding reveals that majority of the subscribers of the ATM prefer it to counter services. On the basis of this finding it was concluded that frequent breakdown, irregular network service, problem of accessibility and limited withdrawal for a day are the main factors contributing to underutilization of ATM services at the bank. It is therefore recommended an improvement in service connected to the use of the facility. Management of the bank was advised to make all ATM transaction and subscription free; fine – tuned master cards are to be in online shopping and all sales outlet across the country at all branches in Nigeria.
Keywords: ATM, Commercial Bank, Internet Banking, Master card, Phone Banking., UBA
