What is the ruling on using an ATM card where the bank deducts the withdrawn amount or the amount used for purchases from a private account, and the bank does not lend money when the account runs out?

It is permissible to withdraw cash using an ATM card if the withdrawal is from the card's issuing bank. However, if the withdrawal is from a bank other than the card's issuer, it is permissible if the issuing bank directly transfers the amount to the withdrawing bank (acting as an agent), and the withdrawing bank is allowed to charge a fee. It is not permissible if the issuing bank holds the amount, then the customer withdraws it, and then it is transferred later, as the withdrawing bank is not permitted to charge more than the actual cost, because it would be a loan that yields a benefit.