Public Banking Terminal

Public Banking Terminals, commonly called ATMs (Automated Teller Machines), are interactable devices in Deus Ex. By using an ATM, the player may withdraw credits from known accounts or, alternatively, hack the ATM to withdraw from all accounts.

Background
In 2051, ATMs seen in New York, Hong Kong, and Paris are controlled by the PageNet Global Banking System, which is likely a subsidiary of Page Industries. According an error screen that is displayed when an ATM is hacked, there are 231,000 PageNet Banking Terminals worldwide.

Overview
If an account's login and PIN for are known, they may be entered into the ATM to gain access to that account. There is no risk of an alarm sounding in this process as no hacking is involved.

However, if the account information is not known, it is possible to hack ATMs. JC Denton must have at least basic training in the computer skill to be able to hack terminals. The higher JC's training in the computer skill, the more money can be obtained from the ATM, ranging from 50% to 150% of the total money accessible at the ATM, depending on the skill level. Additionally, a higher skill level in the computer skill allows for the hack to be completed more quickly, and allows for a greater amount of time to use the ATM before an alarm is set off by expiration of the hacking timer.

Hacking and computer skill
The effects of different skill levels for the computer skill are summarized below:


 * Trained – JC can access the ATM after the ICE Breaker meter has passed the halfway mark, and can only take 50% of the total funds of all accounts linked to the ATM.
 * Advanced – JC can use ATMs after the meter hits the quarter way mark, and may take 100% of the funds.
 * Master – JC he can use the ATM almost instantly, and can take 150% of the funds. Therefore, at the master skill level, hacking the ATM yields more credits than entering the account information.

Accounts

 * Each ATM has a defined set of accounts. Each account has a defined amount of funds that can be withdrawn.
 * Withdrawals from specific accounts are synced across ATMs in the same map, but are not synched across different missions or across different maps within the same mission. For example, during the first visit to Hell's Kitchen (in the 2nd Mission), the same account information "Acct. No.: 312446; PIN: 1351" can be used to withdraw funds from both the ATM in the Hell's Kitchen subway station and in the ATMs in Underworld Tavern. Since these ATMs are located on separate maps, they are considered to be independent from one another in terms of account syncing.
 * When an ATM is hacked, the funds across all accounts on the ATM are summed, and this sum total is then multiplied by a multiplier (0.5, 1.0, or 1.5) that depends on the computer skill level.
 * Once an ATM is hacked, that specific ATM will be usable after funds are withdrawn.
 * If there are multiple ATMs in the same map, withdrawing from one hacked ATM will not zero-out the accounts on other ATMs on the same map, due to what appears to be a bug or oversight. Instead, the amount that is withdrawn using the hack is subtracted from only the first account on the remaining ATMs in the map. Whether an account is the "first" account or not is defined by the order in which accounts are listed in the map's internal data. The resulting total after the subtracted amount can be a negative number, i.e., a negative balance for that account. Therefore, in maps that have multiple ATMs, it is possible to withdraw all funds by hacking one ATM, and then withdraw funds from another ATM from accounts other than the first account.
 * Due to a bug, when accessing the first account of an ATM, the account number is not required to be entered correctly. The account can be accessed as long as the PIN is entered correctly and something is entered into the account number field.

Example of withdrawal calculations

 * During the first visit to Hell's Kitchen, the pair of ATMs in Underworld Tavern has 3 accounts: "446009; 3124" ,"312446; 1351", and "947761; 2867" with account balances of 250, 125, and 36, respectively. If one ATM is hacked at master skill level, the amount of credits available for withdrawal is (250 + 125 + 36)*1.5 = 616 (after truncating to the nearest integer).
 * After withdrawing 616 credits from the ATM, the amount of 616 is subtracted from the balance of the first account ("446009; 3124"), resulting in a balance of 250 - 616 = -366. Thus, if the other ATM is also hacked, the "amount" for withdrawal is now (-366 + 125 + 36)*1.5 = -307. Since the total is negative, it is not possible to withdraw from this ATM via hacking. Moreover, hacking the second ATM will make it permanently unusable.
 * However, since hacking the first ATM only affected the first account, the balances on the second and third accounts are still available for withdrawal on the second ATM. Thus, by entering the account information "312446; 1351" for the second account and "947761; 2867" for the third account, it is possible to withdraw 125 + 36 = 161 credits using this second ATM, even though the first ATM was hacked.

Summary of ATMs by mission
Total: 7372 credits

Trivia

 * Once an account has been hacked, an ATM will display an error message the next time it is interacted with, stating "Sorry, this terminal is out of service". Interestingly, the error ID is ERR 06MJ12. This further supports the idea that the Majestic 12-controlled Page Industries owns and maintains the ATMs.