Using a Hokuriku Bank Machine

This is roughly what the screen of a Hokuriku Bank machine looks like.

Withdrawals

Cash only

  1. Press the cash withdrawal button ｶｰﾄﾞ出金
  2. Insert cash card or bank book and enter your PIN. Press 確認 to confirm, or the red 訂正 button if you make a mistake.
  3. Enter the withdrawal amount* then press the 円button.
  4. If it is a weekend or after 5pm, you will be charged 105 yen for the privilege of using an ATM outside of ‘business hours.’ If you are ok with accepting this charge, press the 確認 button. There is no way around this charge, other than backing out of the transaction entirely.
  5. You will be shown you current account balance on top, and your balance after withdrawal below. If you want to proceed, press 確認. If you need to make changes, press 訂正. (You will have to start over. You will go back one step.)
  6. You will be asked if you want a receipt. Press 必要 on the left if you do, and 不要 on the right if you don’t.

  7. Take your money and card or book.

How to enter the withdrawal amount: You can either type in the exact amount, or take advantage of the larger unit keys to be sure you are withdrawing the correct amount.

Example 1: 10,000 yen

Press the 1 button, the ten thousand unit button 万 and the 円button in that order.

Example 2: 15,000yen

Press the 1 button, the ten thousand unit button 万, the 5 button, the thousand unit button 千and the yen button 円 in that order.

Example 3: 7,000 yen

Press the 7 button, the thousand unit 千button and the yen button円 in that order.

Deposits

  1. Press the deposit button 現金入金

  2. Enter your PIN.

  3. Insert cash card or put bankbook in slot.

  4. The coin and bill doors will open. Insert money in appropriate slots (coins on the left, bills on the right, both are clearly marked). You can get rid of annoying small change this way, although there is a limit of roughly 100 coins. The slots will close once money is detected, but will reopen, so don’t worry that you weren’t fast enough if they close on you.

  5. The machine then counts the money and displays the amount deposited. If this is correct then press the confirmation button 確認.

  6. Retrieve your cash card and bankbook.

Note: press the red correction button 証if you make a mistake while entering.

Updating your Bank Book

  1. Press the bank book button 通帳記入.

  2. Insert bank book and wait while it makes little happy printing sounds.

  3. Take your bankbook.

Why does this get its own section? Because I love the bank book. It keeps a solid record of absolutely every transaction you make, and prints it automatically in nice little neat columns. It even turns the page for you if it fills one. You’ll have to decipher the Japanese, but it keeps a far better record than I ever could, and you know when automatic bills have been taken out. This can only be done from Hokuriku ATMs(or the ATM for your bank if you use a different company)

FAMILY MART ATMs

It is definitely worth remembering that a lot of Family Mart (and other) convenience stores now have a Hokuriku Bank ATM. Look for the red and white Hokuriku Bank sign out side the store. The ATMs have an English option on the display and you can withdraw money at one of these ATMs until 11pm (Monday to Saturday) and 9pm (Sundays and Public Holidays). During regular bank hours it is free to withdraw money but after bank hours you will pay 105 yen per transaction. You can also use these machines to withdraw money from your home country bank accounts if you have a visa card. They can be used all over Japan but your home bank may charge a fee of up to 1000 yen. People are reporting that Hokuriku ATMs are springing up in various combini brands now so it’s worth going in and checking them out. Family Mart is your best bet, but many other conbinis now provide usable ATMs, so take the time to locate one nearest to you and your school!

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