An Automated Teller Machine is a computerized telecommunication device that provides the access to financial transactions in a public space without the need for a human clerk or bank teller. Over time students have come to depend on and trust the Automatic Teller Machine to conveniently meet their banking needs. This paper investigated the adoption and usage of e-banking and determined the categories of using ATM, how often they use them and for what transaction. It also addressed the problems and challenges of students have with ATM. At first, the goal is to enhance an explorative analysis that can be expected, is to give insight of the data in order to reveal or extract the relevant structure of and patterns in the data. An increase in debit card among college students continues to create emotional stress, anxiety and academic turmoil for students nationwide. Purchases made without thought about accumulation of debit have limited the employment options for some college graduates. Others had to file for bankruptcy before they had their first job. There is a need to find solutions for students who can no longer bear the emotional strain caused by debit card. This process is done by using Apriory Algorithm in data mining and we select with the R- Tool.