Daily operations for ATMs will be from 7am to 10pm during the period of the movement control order (MCO), said Bank Negara in a list of FAQs it released on access to essential financial services during this period.

"The types of financial services considered essential during this containment period include self-service terminals such as ATMs, Cash, Cheque and Coin deposit machines which will be fully operational at accessible locations, i.e. for premises and locations not affected by MCO.

"However, daily operating hours for all self-service terminals, including ATMs, will be restricted to 7am to 10pm during this containment period (of March 18-31)," said Bank Negara.

"Online banking i.e. electronic banking, mobile banking; payment card services; and cheque processing services will remain fully operational while money changing and remittance services are still available at bank branches," it added.

Bank Negara Malaysia said that all banks have established the necessary infrastructure to ensure that ATMs nationwide would continue to be stocked with sufficient cash to meet the needs of all households and businesses during the MCO.

It added that the processing and handling of insurance and takaful claims, issuance of guarantee letters and annual renewal of insurance and takaful policies would also remain uninterrupted.

E-payment providers are considered an essential service as they fall under the category of E-commerce, which has been approved by the National Security Council as an essential service under the MCO.

While all providers of these essential services are allowed to provide limited counter services throughout this period, Bank Negara strongly encourages customers to use electronic channels and avoid unnecessary trips to the branches and premises of these providers for their own safety and health.

Bank Negara emphasised that it is not business as usual in view of the need to ensure social distancing measures are observed during this MCO period for the safety and health of the customers and employees of financial service providers alike.

"The providers of essential financial services that have been approved to operate during this period are banks, development financial institutions, insurance and takaful companies.

"But, you should expect some disruption or delays in normal branch operations in line with the need to ensure effective crowd containment," it said.

It added that bank accounts would be accessible as usual through mobile or online banking and self-service terminals.

Bank Negara Malaysia itself said it is operating during the MCO period but in line with the requirements of the MCO, all front-line services including BNMLINK for walk-in visitors have been suspended from March 31.

Members of the public can contact BNM through these following channels for further updates: eLINK (https://telelink.bnm.gov.my); or BNMTELELINK (Tel: 1-300-88-5465) from Monday to Friday (9am-5pm) or BNM’s website at www.bnm.gov.my.