Joyo Bank cash cards can be easily used at convenience store ATMs located throughout Japan. While convenient for sudden expenses and daily deposits and withdrawals, it’s important to understand the fee structure beforehand, as fees vary depending on the convenience store, time of day, and transaction details. This article provides a comprehensive guide to using your Joyo Bank cash card at major convenience store ATMs (Seven-Eleven, Lawson, FamilyMart, Ministop), covering details such as fees, operating hours, and available services, as well as how to take advantage of the “ATM Fee Preferential Service” to get your fees waived.
- A Comprehensive Guide to Convenience Store ATMs Where Joyo Bank Cash Cards Can Be Used
- [By Convenience Store] Details for Using Joyo Bank Cash Cards: Fees, Hours, and Services
- Joyo Bank ATM Fee Preferential Service: How to Waive Convenience Store ATM Fees
- Overview of the ATM Fee Preferential Service
- Four Criteria to Qualify (Meet any one)
- Criterion ①: “Salary Deposit or Automatic Pension Receipt” AND “Total Asset Balance of 300,000 Yen or More”
- Criterion ②: “Age 29 or Under” AND “Salary Deposit”
- Criterion ③: “Total Asset Balance of 10 Million Yen or More”
- Criterion ④: “Existing Balance on a Housing Loan (including Home Improvement Loan)”
- Preferential Benefits: Number of Free Transactions at Convenience Store ATMs (Seven, E-net, Lawson)
- Determination Timing and Benefit Application Period
- General Tips and Precautions for Using Joyo Bank at Convenience Store ATMs
- Transaction Limits: Daily and Per-Transaction Ceilings for Withdrawals, Deposits, and Transfers
- Coin Handling: Not Supported for Withdrawals or Deposits at Convenience Store ATMs
- Passbook Usage: Not Available for Updates or Transactions at Convenience Store ATMs
- Checking System Maintenance Times: How to Check on Joyo Bank and ATM Operator Websites
- PIN Management and Security: For Safe ATM Use
- Q&A Regarding Joyo Bank’s Convenience Store ATM Use
- Q1. Is a special application required for the ATM Fee Preferential Service?
- Q2. Where can I check if I am eligible for the fee preference?
- Q3. Are the preferences for customers aged 70 or over or those based on total asset balance applied automatically?
- Q4. As of what date is the total asset balance determined?
- Q5. Are AEON Bank ATMs eligible for the fee preference?
- Q6. When using a JOYO CARD Debit at a convenience store ATM, are the fees the same as for a cash card?
- Q7. Are transfers made at convenience store ATMs reflected immediately?
- Q8. If my Joyo Bank cash card doesn’t work at a convenience store ATM, what are the possible reasons?
A Comprehensive Guide to Convenience Store ATMs Where Joyo Bank Cash Cards Can Be Used
Joyo Bank cash cards can be used at many convenience store ATMs. First, let’s look at an overview of which ATMs are available at which convenience stores.
Overview of Partner ATMs at Major Convenience Store Chains (Seven-Eleven, Lawson, FamilyMart, Ministop)
The following ATMs are installed in major convenience store chains across Japan and can be used with a Joyo Bank cash card.
- Seven-Eleven: Seven Bank ATM
- Lawson: Lawson Bank ATM
- FamilyMart: E-net ATM (*Excluding some stores)
- Ministop: AEON Bank ATM
Joyo Bank Cash Card Compatibility at Seven Bank, Lawson Bank, E-net, and AEON Bank ATMs
All the convenience store ATMs listed above are compatible with Joyo Bank cash cards. However, fees vary depending on the type of ATM and the time of day. A key feature is that by meeting the conditions of the “ATM Fee Preferential Service,” the fees for Seven Bank, Lawson Bank, and E-net ATMs can be waived. Please note that Joyo Bank passbooks cannot be used at these ATMs.
[By Convenience Store] Details for Using Joyo Bank Cash Cards: Fees, Hours, and Services
From here, we will detail the fees, available hours, and main services when using a Joyo Bank cash card at each convenience store ATM.
*All fees include tax. The fees listed below are the basic fees without the “ATM Fee Preferential Service” benefits applied. Information is subject to change, so please check the official websites of Joyo Bank or each ATM operator for the latest information.
Using Joyo Bank at Seven-Eleven (Seven Bank ATM)
Main Available Transactions
- Withdrawal
- Deposit
- Balance Inquiry
- Card Loan
Withdrawal/Deposit Fees: Fee Table by Time Slot for Weekdays, Weekends, and Holidays
| Day | Time Slot | Fee |
|---|---|---|
| Weekdays | All Day | 220 yen |
| Saturdays, Sundays, & Holidays | All Day | 220 yen |
Source: Joyo Bank ATM Service | Seven Bank (Japanese)
Transfer Fees: To Joyo Bank Branches / To Other Banks
Transfers are not available at Seven Bank ATMs.
ATM Availability and Joyo Bank System Maintenance Information
Seven Bank ATMs are generally available 24 hours a day, but they cannot be used during Joyo Bank’s system maintenance periods.
Using Joyo Bank at Lawson (Lawson Bank ATM)
Main Available Transactions
- Withdrawal
- Deposit
- Transfer
- Balance Inquiry
- Card Loan
Withdrawal/Deposit Fees: Fee Table by Time Slot for Weekdays, Weekends, and Holidays
| Day | Time Slot | Fee |
|---|---|---|
| Weekdays | All Day | 220 yen |
| Saturdays, Sundays, & Holidays | All Day | 220 yen |
Source: Joyo Bank | Lawson Bank (Japanese)
Transfer Fees: To Joyo Bank Branches / To Other Banks
| Destination | Fee |
|---|---|
| To a Joyo Bank Branch | 330 yen |
| To Another Bank | 550 yen |
*In addition to the transfer fees above, a separate ATM usage fee (220 yen) is required.
Source: Fee Information: Joyo Bank (Japanese)
ATM Availability and Joyo Bank System Maintenance Information
Lawson Bank ATMs are also generally available 24 hours a day, but they cannot be used during Joyo Bank’s system maintenance periods.
Using Joyo Bank at FamilyMart (E-net ATM)
Main Available Transactions
- Withdrawal
- Deposit
- Transfer
- Balance Inquiry
Withdrawal/Deposit Fees: Fee Table by Time Slot for Weekdays, Weekends, and Holidays
| Day | Time Slot | Fee |
|---|---|---|
| Weekdays | All Day | 220 yen |
| Saturdays, Sundays, & Holidays | All Day | 220 yen |
Source: Joyo Bank | E-net ATM Fees & Service Hours | E-net Co., Ltd. (Japanese)
Transfer Fees: To Joyo Bank Branches / To Other Banks
| Destination | Fee |
|---|---|
| To a Joyo Bank Branch | 330 yen |
| To Another Bank | 550 yen |
*In addition to the transfer fees above, a separate ATM usage fee (220 yen) is required.
Source: Fee Information: Joyo Bank (Japanese)
ATM Availability and Joyo Bank System Maintenance Information
E-net ATMs are also generally available 24 hours a day, but they cannot be used during Joyo Bank’s system maintenance periods.
Using Joyo Bank at Ministop (AEON Bank ATM)
Main Available Transactions
- Withdrawal
- Transfer
- Balance Inquiry
Withdrawal/Deposit Fees: Fee Table by Time Slot for Weekdays, Weekends, and Holidays
| Day | Time Slot | Fee |
|---|---|---|
| Weekdays | 8:45 AM – 6:00 PM | 110 yen |
| Weekdays | Other Times | 220 yen |
| Saturdays, Sundays, & Holidays | All Day | 220 yen |
Source: Joyo Bank Service Hours & ATM Fees | AEON Bank (Japanese)
Transfer Fees: To Joyo Bank Branches / To Other Banks
| Destination | Fee |
|---|---|
| To a Joyo Bank Branch | 330 yen |
| To Another Bank | 550 yen |
*In addition to the transfer fees above, a separate ATM usage fee (110 yen or 220 yen) is required.
Source: Fee Information: Joyo Bank (Japanese)
ATM Availability and Joyo Bank System Maintenance Information
AEON Bank ATMs also operate for long hours, but they cannot be used during Joyo Bank’s system maintenance periods.
Joyo Bank ATM Fee Preferential Service: How to Waive Convenience Store ATM Fees
Joyo Bank offers an “ATM Fee Preferential Service” that waives convenience store ATM usage fees for customers who meet certain transaction criteria. Understanding and utilizing this service is key to saving on fees.
Overview of the ATM Fee Preferential Service
This service is automatically applied when you meet the specified criteria, without any special application. The preferential treatment applies to withdrawal and deposit fees at Seven Bank, Lawson Bank, and E-net ATMs. AEON Bank ATMs are not eligible for this service.
Four Criteria to Qualify (Meet any one)
If you meet any one of the following four criteria, you will be eligible for the fee preference.
Criterion ①: “Salary Deposit or Automatic Pension Receipt” AND “Total Asset Balance of 300,000 Yen or More”
The condition is met if you have a record of either salary deposits or automatic pension receipts in your Joyo Bank account, and your total asset balance at the end of the month is 300,000 yen or more.
Criterion ②: “Age 29 or Under” AND “Salary Deposit”
The condition is met if you are 29 years old or younger as of the end of the determination month and have a record of salary deposits in your Joyo Bank account.
Criterion ③: “Total Asset Balance of 10 Million Yen or More”
The condition is met if your total asset balance (sum of yen deposits, foreign currency deposits, investment trusts, public bonds, etc.) at the end of the month is 10 million yen or more.
Criterion ④: “Existing Balance on a Housing Loan (including Home Improvement Loan)”
The condition is met if you have a housing loan or home improvement loan with Joyo Bank and have an outstanding balance at the end of the month.
Preferential Benefits: Number of Free Transactions at Convenience Store ATMs (Seven, E-net, Lawson)
If you meet the criteria, the number of free transactions will be set as follows, depending on your customer status.
Basic Benefit: Up to 2 Free Transactions per Month
Those who meet any of the four criteria above will have their usage fees waived for eligible convenience store ATMs up to twice a month.
Customers Aged 70 or Over: Up to 3 Free Transactions per Month
Among those who meet the criteria, customers who are 70 years of age or older as of the end of the determination month will have their number of free transactions increased to three per month.
Customers with a Total Asset Balance of 30 Million Yen or More: Unlimited Free Transactions
Among those who meet the criteria, customers with a total asset balance of 30 million yen or more as of the end of the determination month will have no limit on the number of free transactions and can use the service for free as many times as they like.
Determination Timing and Benefit Application Period
The eligibility determination is made on the last day of each month, and the benefits are applied for one month from the 5th of the following month to the 4th of the month after that. For example, benefits determined based on the transaction status as of June 30 will be applied from July 5 to August 4.
Source: ATM Fee Preferential Service: Joyo Bank (Japanese)
General Tips and Precautions for Using Joyo Bank at Convenience Store ATMs
Transaction Limits: Daily and Per-Transaction Ceilings for Withdrawals, Deposits, and Transfers
Joyo Bank cash cards have a daily transaction limit. While it depends on individual settings, you cannot make transactions that exceed this limit. You can check and change your limit via “Access J” or at a bank branch. Additionally, convenience store ATMs themselves may have per-transaction limits (e.g., up to 200,000 yen for withdrawals, up to 500,000 yen for deposits).
Coin Handling: Not Supported for Withdrawals or Deposits at Convenience Store ATMs
Withdrawal and deposit of coins are not possible at any partner convenience store ATMs. Transactions are limited to banknotes only.
Passbook Usage: Not Available for Updates or Transactions at Convenience Store ATMs
You cannot use a Joyo Bank passbook for updates or transactions at convenience store ATMs. A cash card is always required for transactions at convenience store ATMs.
Checking System Maintenance Times: How to Check on Joyo Bank and ATM Operator Websites
During Joyo Bank’s system maintenance periods, no Joyo Bank transactions can be performed at any convenience store ATM. It is recommended to check the latest information on the official Joyo Bank website in advance.
PIN Management and Security: For Safe ATM Use
When using an ATM, be careful to shield your hand when entering your PIN to prevent it from being seen by third parties. Also, you should manage your PIN strictly so that others do not know it, and avoid using easily guessable numbers like your date of birth or phone number.
Q&A Regarding Joyo Bank’s Convenience Store ATM Use
Q1. Is a special application required for the ATM Fee Preferential Service?
A1. No, a special application is not required. The benefits are automatically applied to customers who meet the preferential criteria based on their transaction status with Joyo Bank.
Q2. Where can I check if I am eligible for the fee preference?
A2. You can check if you are eligible for the preferential service and the number of remaining free transactions on the transaction receipt from an eligible convenience store ATM (Seven Bank, E-net, Lawson Bank).
Q3. Are the preferences for customers aged 70 or over or those based on total asset balance applied automatically?
A3. Yes, they are applied automatically. The bank automatically determines eligibility based on the date of birth registered with the bank and the total asset balance at the end of the month. If the conditions are met, the preference is applied.
Q4. As of what date is the total asset balance determined?
A4. It is determined based on the balance on the last day of each month. Based on that determination, the preferential benefits are applied for one month, from the 5th of the following month to the 4th of the month after that.
Q5. Are AEON Bank ATMs eligible for the fee preference?
A5. No, AEON Bank ATMs are not eligible for the “ATM Fee Preferential Service.”
Q6. When using a JOYO CARD Debit at a convenience store ATM, are the fees the same as for a cash card?
A6. Yes, the fees for using a JOYO CARD Debit for “cash withdrawals” at a convenience store ATM are the same as the fee structure for a regular cash card. It is also eligible for the ATM Fee Preferential Service.
Q7. Are transfers made at convenience store ATMs reflected immediately?
A7. Yes, in principle, they are reflected immediately. However, depending on the system status of the recipient’s financial institution or the condition of the recipient’s account, the transfer may be processed on the next business day.
Q8. If my Joyo Bank cash card doesn’t work at a convenience store ATM, what are the possible reasons?
A8. The main possible reasons are as follows:
・Incorrect PIN, or card locked due to multiple incorrect entries
・Magnetic stripe failure or IC chip damage on the cash card
・Exceeding the daily transaction limit
・Insufficient account balance
・During system maintenance for Joyo Bank or the ATM operator
If the issue is not resolved, please contact the Joyo Bank call center or a branch.
Source: Contact Us/Call Center: Joyo Bank (Japanese)
Last updated: June 19, 2025