How much does it cost to put an ATM in my business?

Putting an ATM in your business costs anywhere from $0 to over $8,000, depending on how you acquire the machine. A free ATM placement program means a provider owns and maintains the machine at no cost to you, and you split the surcharge revenue with them.

Buying a machine outright typically runs $2,000 to $8,000 for a new unit. You keep all surcharge income but handle maintenance yourself. Leasing sits in between, with typical monthly fees in the $50 to $150 range.

Surcharge fees average $2 to $3 per transaction. A steady flow of foot traffic can generate enough revenue to offset upfront costs quickly, sometimes within the first year of operation.

For a full look at placement and purchase options in Tennessee, the ATM machine installation page from United Banc Card of TN explains how local programs are structured.