Yes.. Today its not hard to hear that we can make withdrawals with different Bank's ATM.

Now all banks gives us a debit card by which we can withdraw amount with any
bank's ATM but in different banks after certain limit of transactions charges may apply by
bank side. Even now banks are providing us platinum  cards with those we can withdraw
money in foreign countries.

In ATM cards there may be possibility that they might allow to do transaction with
our ATM only.

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Debit and ATM cards are two of the most popular ways to access money in your current or
savings account. These cards give you flexible access to your money, but you need to be
aware of any fees that you may be charged when you use your card.

Debit cards

Most banks will offer you a debit card when you open your account. Debit cards look like
credit cards—they will have a RuPay®, Visa® or MasterCard® logo on them. However, they
are definitely not credit cards. A debit card will not help you build a credit rating layer.

You can use a debit card to make purchases without accumulating interest layer because
the money comes directly from your current or savings account. Debit cards can take the
place of issuing cheques, paying with cash or using a credit card.

Debit cards will also usually double as your ATM card, allowing you to withdraw cash or
deposit money at an ATM machine.

ATM cards

Some banks offer you an ATM card that allows you to withdraw money from your current or
savings account, but only through their ATM machine. Unlike debit cards, ATM cards do not
have the RuPay®, Visa® or MasterCard® logo and, in most cases, may not be used to make
store purchases directly.

ATM cards give you easy access to your money, but be careful because that easy access
might cost you. For example, if you withdraw money from your account at your own bank's
ATM, you probably won't pay any fees for a minimum no of transactions. However, if you
withdraw money from a different bank's ATM, you could get charged a fee by your bank.
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In the UK & a number of countries it is definitely possible. The Debit card allows you to
access your own cash from your bank account in any ATM. The banks have an agreement
which allows their customers to use each others ATM machines, usually free of cost.

There are some ATM machines that are not part of the banking agreement, which charge.

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All the banks are connected by a system called Core Banking Solutions (CBS).
Core Banking Solutions (CBS) or Centralised Banking Solutions is the process which is
completed in a centralized environment i.e. under which the information relating to the
customer’s account (i.e. financial dealings, profession, income, family members etc.) is stored
in the Central Server of the bank (that is available to all the networked branches) instead of
the branch server. Depending upon the size and needs of a bank, it could be for the all the
operations or for limited operations. This task is carried through an advance software by
making use of the services provided by specialized agencies.
Due to its benefits, a no. of banks in India in recent years have taken steps to implement the
CBS with a view to build relationship with the customer based on the information captured
and offering to the customer, the customised financial products according to their need.
Advantages: The CBS process is advantageous both to the customers and the banks in the
following manner:
Customer:
• Transaction of business from any branch, ATM that offers him anytime anywhere banking
facility.
• Lower incidence of errors. Hence accuracy in transactions.
• Better funds management due to immediate availability of funds.
Banks:
• Standardisation of process within the bank.
• Better customer service leading to retention of customer and increased customer traffic.
• Availability of accurate data & Better use of available infrastructure
• Better MIS and reporting to external agencies such as Govt., RBI etc.
• Increased business volume with better asset liability management and risk management.

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Debit and ATM cards are two of the most popular ways to access money in your current or
savings account. These cards give you flexible access to your money, but you need to be
aware of any fees that you may be charged when you use your card.
Debit cards

Most banks will offer you a debit card when you open your account. Debit cards look like
credit cards—they will have a RuPay®, Visa® or MasterCard® logo on them. However, they
are definitely not credit cards. A debit card will not help you build a credit rating layer.

You can use a debit card to make purchases without accumulating interest layer because
the money comes directly from your current or savings account. Debit cards can take the
place of issuing cheques, paying with cash or using a credit card.

Debit cards will also usually double as your ATM card, allowing you to withdraw cash or
deposit money at an ATM machine.

ATM cards

Some banks offer you an ATM card that allows you to withdraw money from your current or
savings account, but only through their ATM machine. Unlike debit cards, ATM cards do not
have the RuPay®, Visa® or MasterCard® logo and, in most cases, may not be used to make
store purchases directly.

ATM cards give you easy access to your money, but be careful because that easy access
might cost you. For example, if you withdraw money from your account at your own bank's
ATM, you probably won't pay any fees for a minimum no of transactions. However, if you
withdraw money from a different bank's ATM, you could get charged a fee by your bank.
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ATM Card, Debit Card, Credit Card:

What’s the Difference?
CREDIT CREDIT CARD DEBIT CARD ATM CARD
 
Ever wonder what are the differences between ATM cards, debit cards, and credit cards? While they
may seem similar, each works in a slightly different way and carries different protections.
Here’s a brief description of each type of card and how it may affect your checking account balance.

What is an ATM card?

ATMs or Automated Teller Machines are mostly used to withdraw cash. If a bank allows it, you can
also make deposits into an account during and outside regular business banking hours. This card
can only be used at ATMs and requires a PIN (Personal Identification Number).
All withdrawals using an ATM card are immediately deducted from the customer’s account.
If a card is lost or stolen and the consumer reports it before any fraudulent charges are made, there
is no liability. If a missing card is reported within 2 days of fraudulent activity, then the maximum
liability is $50.
If a card is reported lost or stolen more than 2 days but less than 60 days after it is missing, the
consumer can be held liable for up to $500 of the loss. After 60 days, the consumer can be held
responsible for the entire amount that is missing from their account, as well as any accounts that
might be linked to it.

But my ATM has a Visa or MasterCard logo, what does

that mean?
This is the most confusing type of card. This card can be used as an ATM card or at the point of
purchase as a debit card or credit card. No matter how the card is used, it will
be automatically deducted from your checking account.
If the card is used as a debit card, a PIN is usually requested. The purchase is immediately
deducted from your checking account.
If the card is swiped and credit is chosen at the register, a PIN is usually not required. In this case,
even though it was swiped as a credit card, it is still considered a debit card transaction. While it may
take a few days, the purchase price will be deducted automatically from your checking account. 
Remember, whether a debit card is swiped as a debit or credit transaction, the purchase will be
automatically deducted from the consumer’s checking account, but it could take a few days for a
credit transaction to clear your account. That means it’s up to you to keep a mental record of the
transaction and deduct it from your checking account balance the day of the purchase until the
withdrawal has been made from your account.
Otherwise, you risk causing an overdraft on your checking account.
Visa and Mastercard branded debit cards have the same deadlines as ATM cards for reporting
fraudulent activity: if reported within 2 days, the maximum liability is $50. After 2 days, the liability
increases to $500. If the consumer waits 60 days, then they may lose their entire account plus any
linked accounts. 

What is a credit card?

Credit cards allow a consumer to purchase goods and services by borrowing against an approved
line of credit. It is a loan. Purchases made during the month are billed to the credit card holder, and
you will pay the bill at a later date.  
Should you be unable to pay the entire balance due, then the credit card company charges you
interest.
If the payment is late, the credit card company may also charge late fees and revoke promotional
interest rates.
Unlike an ATM or ATM/Debit cards, all charges, as well as any cash advances, are not automatically
deducted from your checking account, unless specific arrangements are made through the bank.
Credit cards carry some additional protections that debit and ATM cards do not have. If a credit card
is lost or stolen, under the Fair Credit Billing Act, the maximum liability is $50. If the missing card is
reported before any fraudulent charges are made, there is no liability at all. 
 Immediate Receive a
Withdrawal bill and pay Liability if lost or stolen
Type of Card
from a bank at a later  
account date
Max of $50 if reported within 2
days; $500 if reported within 60
ATM Yes No days; entire contents of
account/linked account if reported
after 60 days.
Max of $50 if reported within 2
days; $500 if reported within 60
ATM/Debit Card with Visa or
Yes No days; entire contents of
MasterCard logo*
account/linked account if reported
after 60 days.
       
Credit Card (American
Express, Discover, No Yes $50 maximum
MasterCard, Visa)
* When purchasing, you must choose whether the transaction will be a debit or credit transaction.  If
it is swiped as a credit card transaction, the money may not be deducted for several days.