The ATM allows you to make withdrawals from, deposit to, and check the balance of your Bank Account. Checking the balance on an ATM will deduct 5$, so it is suggested to check using your Laptop instead. The Laptop will also show detailed information on spendings and income.
Caution when using an ATM is imperative. The bank watches your account, and if you deposit a large amount of cash into your account, the bank will contact the DEA and your Exposition factor will rise significantly. There is, however, a way around this monitoring.
Unlock at level 6