Advantages are that with ATMs you can withdraw you money anytime, [ii]they are located outside the bank hall for with drawers of cash, [iii]they listen and follow instructions from the host, [iv]these save time and involves less paperwork, [v]they operate 24hours, [vi] these use pin for security thus they are safe.
Disadvantages
[i] they are not safe since they are located outside the bankhall, [ii] if one forgets the pin number he or she will not be able to withdraw money from their accounts, [iii] if one makes mistakes three times in entering the pin number the card will be swallowed down the machine and it takes time to retrieve it.

Ready money all the time is the major advantage and threat to hack your password is the major disadvantage.

Instant money like 'Bru' is an advantage and loss of the card facilitates to misuse it is a disadvantage...!

Have a Debit / Credit/ ATM card, & U start using it, U'll understand urself !!!!!!!!!

Advantage : you can draw your money quickly
disadvantage : your balance will be lower

ATM -you need not carry money. that s advantage