This research determined the effect of the perception of Government project beneficiaries on debit card services of selected banks in Daet, Camarines Norte. The study also aims to determine the problem that the beneficiaries encountered while using the ATM. It used descriptive-correlational method with a survey questionnaire that served as the main tool in data gathering and unstructured interview with the respondents. The following statistical tools were utilized in analyzing the data collected; frequency and percentage, weighted mean and Somer’s Delta Correlation. This study was based on the premise that there is no significant relationship between the profile of the respondents and the level of perception of the government beneficiaries towards ATM debit card services. The primary factor that greatly affect the level of perception of government project beneficiaries along hardware factors is hanging error, while for the human factors is fear on the possibility of being robbed.

Keywords : Level of Perception, Government Project Beneficiaries, Debit Card Services, Automated Teller Machine, Conditional Cash Transfer;