Automated Teller Machines are scattered throughout cities, allowing customers easier access to their accounts. Anyone with a debit or credit card will be able to access most ATMs. Using a machine operated by your bank is usually free, but accessing funds through a unit owned by a competing bank will usually incur a small fee. Although most people refer to those shiny pieces of plastic in their wallets as "credit cards", some of those cards are definitely not credit cards. While debit cards and charge cards often share wallet space with their credit card cousins, each type of card is separate and distinct from its peers. Whether you're new to the States, a teenager or young adult opening an account for the first time, or you just want a better understanding of one of the main places to stash your money and start building wealth, this tutorial will tell you everything you need to know about how checking and savings accounts work. To get started with banking, you'll need to decide what bank you want to use and open an account. In this section, we'll tell you how to take these first steps. But first, let's answer the question that surprisingly, a lot people who are unfamiliar with banking still ask: Why use a bank in the first place?

CHAPTER ONE: INTRODUCTION

1.0 INTRODUCTION
An ATM is a device that allows bank customers to access cash from their accounts and to handle many other banking transactions without stepping into the bank. They may be used around the clock.
Whether you're new to the States, a teenager or young adult opening an account for the first time, or you just want a better understanding of one of the main places to stash your money and start building wealth, this tutorial will tell you everything you need to know about how checking and savings accounts work.
To get started with banking, you'll need to decide what bank you want to use and open an account. In this section, we'll tell you how to take these first steps. But first, let's answer the question that surprisingly, a lot people who are unfamiliar with banking still ask: Why use a bank in the first place?

1.1 BACKGROUND OF THE STUDY
Among the great organization and big institution is Federal Polytechnic Nekede Owerri, a tertiary institution with several employees working in the different department to achieve the set out objective of educating the human person. By edict No. 16 of 1978, the college of Technology, Owerri was established. It opened for classes on 15th December, 1978 at a temporary site in the premises of the government trade centre, along Egbu Road Owerri, with an initial in-take of 275 students. In October, 1980, the college moved to its permanent site at Nekede near Owerri, by which time the college had grown to 1,350. The name of the college was later changed to the Polytechnic, Nekede, Owerri by Federal Amendment of Decree 1993 of 1st January, 1993.
The Federal polytechnic is at present organized into the schools of:

• Business Administration and Management Technology which offers courses such as Accountancy, Public Administration, Banking/Finance etc.
• Engineering Technology which offers courses such as Mechanical engineering, Civil engineering, Computer science etc.
• Environmental design which offers courses like building technology, architectural etc.
• Industrial sciences which offers courses like science technology, food technology etc.
• General studies which offers courses like Mathematics, Statistics, humanities etc.

Each of the above mentioned schools is headed by a Dean and all the schools have department also headed by a HOD (head of department). The non-academic divisions and units’ include the registry, bursary, works, medical and health services and the student’s affairs. The units are:
Security, internal audit and public relations which are however, housed under the office of the rectory.

1.2 STATEMENT OF THE PROBLEM
The problem of the investigation is based on the following:

• To find what automation means to payment.
• To identify and examine critically the problem encountered as a result of; automated Teller machine.
• To examine and identify the merit of ATM
• To consult different authorities in the fields as to ascertain the desirability or otherwise of using automated teller machine..
• To develop ways of improving on human inefficiency by using computer efficiency.
• To evaluate the role of computer towards the development of a computer based system ATM
• To find out the extent of problems associated with the provision of these services, with a view to provide solutions to these problems.

1.3 SIGNIFICANCE OF THE STUDY
It is obvious to note that this project work will enlighten readers and serve as bedrock for information analysis on comprehensive automation of paying system. In addition, this study will be useful in the achievement of a smooth and efficient educational system in the country, because when a worker gets his entitlement, industrial peace is rest assured.
This study is considered significant in the following ways:

• It would help to determined how automated teller machine would contribute to industrial peace.
• The study would help to reveal how to enhance the efficiency and effectiveness of a worker.
• It will serve as wealth of knowledge to tap from on research related to payroll automation.

1.4 OBJECTIVES OF STUDY
The of ATM data is an important factor in achievement of industrial peace, this study is to examine the tedious cumbersome and demerit of the manual method of calculating, compiling, sorting and disbursement of customer’s cash at fidelity bank, of federal polytechnic Nekede, Owerri branch.
This study among the above

• Provision of quick access and retrieval of data through the use of computer storage facilities like hard disk and floppy disk.
• Provision of faster and time short in the condition of payment
• Provision of easy operation and guidance for future researchers.
• Provision of relief in tedious repetitive clerical work and cost of duplicating files while computing payroll.

1.5 SCOPE AND LIMITATION OF THE STUDY
Scope: the automated teller machine system is a wide topic, but this project will be based on the automated teller machine in fidelity bank at federal polytechnic Nekede, Owerri branch

1.6 LIMITATIONS OF THE STUDY
Already, there are very few texts that deal exhaustively with ATM. Lock of right research materials offers the first constraint to this study. Apart from lack of material, the few ones were very expensive.

1.7 DEFINITION OF TERMS
An attempt has been made to explain terms used in this study, but nevertheless the more technical terms would be defined as the text progresses if the need arises.
ATM (Automated Teller Machine): an electronic banking machine that dispenses cash, accepts deposits, and performs other services when a customer inserts a plastic card and pushes the proper coded buttons.
Computer: An electronic device that is designed in such a way that it accepts data as input, process these data and gives out a result.
Automation: this idea of converting the manual process of doing or solving the problem into a machine form to help in solving the problems.
System: an interrelated, interdependent component parts working in line as to achieve a common goal such as developing a payroll.
Database: a collection of integrated and related files.
Retrieving: retrieving is the process of locating the stored data and making them available for other processing activities.
Pay advice: is the same as pay-slip, it tells how much worker is owned.
Summary sheet: this is a sheet used by the personnel in charge to summarize each monthly salary.
HATIS: Harmonized Allowance For Tertiary Institutions Salary Scale.