How do ATM owners make money if they have to fill it?

ATM owners make money through the surcharge fee charged on every withdrawal, typically $2.50 to $3.50 per transaction. That fee is pure profit on each use.

The cash inside the machine is not lost. When a customer withdraws funds, their bank reimburses the ATM owner through interbank settlement, restoring the vault cash balance electronically. The owner recycles the same working capital repeatedly.

Higher foot traffic means more transactions and more surcharge income. A busy location can generate hundreds of dollars in monthly fee revenue from a single machine.

United Banc Card of TN can help Tennessee businesses set up a machine through their ATM in business program.