The automatic money-dispensing machines, which many banks have installed in recent years, have greatly simplified the withdrawal of cash from checking accounts. Many banks have also set up cashiers at drive-in windows. To withdraw money from checking account by means of a cash machine, you simply insert what looks like a credit card into a slot. The card is encoded with a number that is not printed on it and that only you and the bank know. You punch in your secret number, punch in the amount of money you want to withdraw, and let the machine do the rest.