If I am the vault cash owner, how long does it take to get my money back in my account?
The cutoff will automatically take place daily at 2:00 p.m. Any cash dispensed prior to 2:00 p.m. will be deposited the next business day. Note: The ATM owner can force the cutoff by pressing the Day Total or Day Close while in the settlement screen.
The switch (processor) controls the accounting of the ATM. Each day a file is complied of the daily transactions. The file is sent to the Federal Reserve Automatic Clearing House (ACH) department. The Federal Reserve sorts all files, collects and deposits all cash to the appropriate banks. The banks receive ACH files daily and post appropriately to their account holders.