
ATM in cars refers to the automatic transmission with manual shift function, commonly known as a semi-automatic or manual-automatic transmission. Many cars are equipped with this type of transmission, which is essentially an automatic transmission but includes a manual mode allowing the driver to manually control gear shifting (upshifting or downshifting). Common automatic transmissions include CVT (Continuously Variable Transmission), DCT (Dual Clutch Transmission), and AT (Automatic Transmission), all of which can feature manual shift functions. The manual mode in an automatic transmission differs from a manual transmission in that the latter allows the driver to select any gear freely, while the former only permits manual upshifts or downshifts. Additionally, if the automatic transmission's computer detects an unreasonable operation by the driver, it may override the command, which is another key distinction from manual transmissions.

A few days ago when getting my car repaired, the mechanic mentioned ATM, which is actually an abbreviation for Automated Manual Transmission. It specifically refers to the type of automatic transmission that shifts gears automatically but is structurally similar to a manual transmission, just with a computer replacing the human operation of clutch and gear shifting. I drove my friend's old Nissan Sunny with this type of transmission, and there's noticeable jerking during low-speed gear changes, especially in traffic jams. Nowadays many entry-level models use this design to reduce costs, but maintenance requires attention as the clutch plates wear faster than in conventional automatic transmissions, and the oil change interval is shorter. It takes some time to adapt to its shifting rhythm before driving smoothly.

Last time I went to the 4S dealership to apply for an installment plan, they kept mentioning ATM. After asking, I found out it refers to the auto loan automatic repayment system. Once you link your bank card, the payment is automatically deducted every month, saving you the hassle of bank transfers. The operation is quite simple—just bind your repayment card in the manufacturer's financial APP. However, make sure there's sufficient balance in your card, as overdue payments can affect your credit. I heard many brands now support WeChat and Alipay repayments, but automatic deduction is still the most worry-free option, especially for forgetful veteran car owners like me.

As an automotive engineer, ATM in our industry more commonly refers to the Automatic Transmission Control Module. This small black box in the engine compartment manages shift logic, acting like the brain of the transmission. The gear shift delay issues often seen in older vehicles are usually caused by it. If the module burns out, the entire transmission will be paralyzed. Last time when helping a neighbor with diagnostics, we found the module's motherboard was deformed due to poor heat dissipation, and replacing it with a used part cost over 800 yuan. It's advised not to directly spray water at this area when washing the car, as it can easily cause a short circuit.


