I use a few bank in the NY and NJ area and use ATMs of both the walk-in and drive-thru kind.
A question that invariably seem to popup in my mind is to decide which is the better process. Whether to hang on to the ATM card till the transaction is over OR to return the ATM card to the customer as soon as the card is verified.
TD Bank, as of September 2014, hangs on to the ATM card till the transaction is over. JP Morgan Chase, as of September 2014, returns the ATM card as soon as you enter the correct pin (or an incorrect one).
I see a great advantage in returning the card as soon as the verification process is complete as JP Morgan Chase seems to do it.
Here are my reasons:
1. If you return the card immediately, there is less chance of a customer forgetting the card at the ATM.
2. If you need to run or drive off for whatever reason, you have your ATM card.
3. Already having you card is just one less thing to remember.
The problem with the non-standardization of the process of returning cards across banks is problematic for people who use multiple banks and who are extremely busy.
The FDIC or equivalent should run conclusive experiments/polls and arrive at a scientific conclusion for common tasks and circulate best practices across banks.