          -----------------------------------------------------------
          -                  The Disk Jockey                        -
          -                     presents:                           -
          -                                                         -
          -                  Scamming ATM's                         -
          -             (Automatic Teller Machines)                 -
          -----------------------------------------------------------

Preface:
-------

     ATM's are nothing new,  banks have been using them for years,  and now you
see them being used more than ever,  and are becoming more and more widespread.
This, of course, just opens up more ways to make money, and I am again bringing
you another safe and proven technique of improving your cash flow.

Banks:
-----

     As mentioned, almost all banks nowadays have ATM machines.  Grab the local
phone book and start calling banks.  What you want to know is "What is the most
I can take out of an ATM machine right after I deposit a check?"    Most  banks
range anywhere from $50 to $1000.   This is for when you make a deposit via the
ATM,  and then right away make a withdraw against the funds on the check,  even
though the check hasn't been verified.  I'm sure you can see what's coming.

Account:
-------

     Open  a  savings account at the bank that offers the highest amount of ATM
withdraw.   Use a fake name (of course) and apply for the ATM card  too.    You
might even tell them that you need the ATM card because you work odd hours,  so
it is difficult for you to get to the banks when they are open.

Deposit:
-------

     Soon you will get your ATM card in the mail, and it should be sent to your
mailing address that would be a lot like a drop for carding.    You  should  be
able to figure out how to do that.   Take your ATM card and go to the banks ATM
machine.  Select DEPOSIT and when it asks for amount, type in $999.00.   DO NOT
deposit  an  amount OVER $1000!   This is important because then the check will
have to wait for bank clearance, which means that you'll be screwed.  When it's
time to insert the deposit into the slot on the ATM,  insert an empty envelope.
For all the ATM knows,  this was just a check for $999.00,  and now places your
account ledger at $999.00.   Now you are free to withdraw up to the full  $1000
that  you  are allowed.   Since you never really put in any money,  this is all
free money coming out!

     I've done this myself and got $950 out of a machine.   It was a HUGE stack
of twenties!  Just be on the watch for cameras!

                                   Have fun.

                               -The Disk Jockey
