In most cases, the surcharge revenue is split 50/50, as this is often the simplest arrangement for both parties.

In certain situations where higher surcharges are acceptable to ATM users, we offer a different agreement. In this case, CMS ATM retains a base amount of the surcharge per transaction, while the merchant keeps any amount above that. For instance, if your location has customers willing to pay a $5.00 surcharge (such as casinos or luxury hotels), it makes sense for CMS ATM to keep $2.00 (or whatever amount justifies our investment) and for the business owner to receive the larger $3.00 share. If you later decide to increase the surcharge to $6.00, for example, you could then keep $4.00 per transaction, and so on.

Loading cash into the ATM is quite straightforward. Here’s how the process works:

1. Check all the bills you plan to load to ensure there are no torn bills (which can cause jams) or brand-new bills stuck together (it’s best to “shuffle” them). Note: While some may skip this step, at CMS ATM we prefer to ensure smooth operation. Certain banks can also prepare the cash in advance to eliminate this step.
2. Count the number of bills in the stack (you only need to count the bills, not the dollar amounts).
3. Open the ATM vault using your key and password.
4. Open the bill cassette.
5. Place the stack of bills into the bill cassette.
6. Close and lock the cassette.
7. Securely close the safe.
8. On the ATM’s screen, navigate to the menu and enter the number of bills you loaded into the journal.

And that’s it! It may seem like a lot, but it usually takes about 10 minutes or even less once you get the hang of it.

It all depends on the number of transactions and the average withdrawal amount. For hotels, the average withdrawal is about $70. If you have 500 transactions in a month, you’ll need around $1,000 per day. Since it takes 48 hours for vault funds to be re-deposited back into your account, you’ll need a minimum of about $4,000 in cash total if you load every four days and opt for daily deposits.

If you have more transactions or higher average withdrawal amounts, you’ll need a bit more cash. If you prefer not to load every four days, calculate the average daily withdrawal amount and multiply it by the number of days between loadings. For example, if you choose to load weekly instead, you’d need around $7,000 in cash on hand. Weekly deposits are also an option if daily deposits feel too cumbersome.

If you don’t have that kind of cash available, don’t worry—our free ATM placement program allows us to handle cash loading for you. If you have some cash to work with, the partnership program might be your best option.

Some days, especially weekends, will require more cash than others, but it usually balances out. To make things easier, we offer automatic notifications when cash levels are low, so you won’t have to constantly check or wait for a guest to inform you that the machine is out of cash.

Your cash dispensed from the ATM (withdrawn vault funds) will be automatically re-deposited into your designated bank account via the Federal Reserve within 48 hours.

How does it work?
Each ATM has a terminal ID and a bank routing number. When someone withdraws cash, the banking networks identify which machine processed the transaction using these numbers, allowing them to know where to re-deposit the funds.

When a customer uses your ATM, they access their debit or credit card account to receive a temporary loan. Most ATM owners charge a surcharge fee for this convenience.

All ATMs settle on banking days at 4:00 PM PST.

Funds withdrawn during regular business hours (Monday through Thursday) will be re-deposited within 24 hours. Withdrawals before 4:00 PM PST will appear in your account the next morning, while those after 4:00 PM will show up the following day.

Weekend transactions (Friday, Saturday, and Sunday) will be deposited the following Monday morning. Any funds withdrawn after 4:00 PM PST on Friday will not be available until Monday morning.

For example:

• Withdrawals on Tuesday before 4:00 PM PST will be in your account Wednesday morning.
• Withdrawals on Tuesday after 4:00 PM PST will appear Thursday morning.
• Withdrawals on Friday, Saturday, or Sunday will be in your account Monday morning.
• Withdrawals on Monday before 4:00 PM PST will show up Tuesday morning.
  

Then, simply withdraw the same funds from your bank account and start the process of refilling the ATM with cash again.

When will I receive the surcharge revenue?
CMS ATM will electronically deposit a quarterly (or sometimes monthly) commission check via ACH. For some locations, we provide a handwritten check by mail.

1st - Line Maintenance:
Under this model if there is ever any problem which requires a basic fix (bill-jams, machine resets, card stuck in a card reader etc.) the merchant can call our 24/7 maintenance hotline. Since the merchant already has internal access to the ATM we usually try to diagnose the problem and walk them through the repair right then and there over the phone. Most ATM problems are simple fixes which can be solved in a few minutes over the phone, saving everyone time and money.

2nd - Line Maintenance:
If anything major ever happens, we will send a service technician to fix the problem. Under this model CMS ATM will handle 2nd line maintenance at no expense to the merchant.