Frequently Asked Questions

ATM Monitoring? (Free Service provided by National ATM Systems)

Our merchants can receive e-mail and/text notifications on ATMs processed by National ATM Systems. Available notifications are: low cash, terminal errors, terminal inactivity and/or Reg E notifications.

Theft Prevention Tips

Ensure the ATM is bolted to the floor using the correct bolts Install cameras at the location Install an alarm system with a cellular back-up Remove cash nightly

Does ATM theft occur?

The answer unfortunately is yes. However, it is very unlikely to happen. Statistically there are 1,000,000 + ATMs in the USA. The number of thefts reported in the U.S. are less than 200 thefts, or attempted thefts, annually. National ATM Systems advises clients of the best possible location for safety as well as maximized customer traffic. This is a...

What is a Reg E Claim?

The name comes from the Federal Regulation E that governs ATM transactions. If a customer does not receive the requested amount from the transaction, he/she will file a Regulation E claim with their financial institution. Once filed, the claim is sent to the ATM vault cash owner via email. The vault cash owner must provide to the networks, within...

What if the ATM incorrectly dispenses the wrong amount?

For National ATM Systems ATMs, we ask that the ATM user and or the merchant call our toll free # and speak to our dispute resolution department. We will handle the dispute for the customer or merchant. The customer can also at anytime call their financial institution and file a Reg E claim. The ATM stores the information in...

How does the ATM communicate?

The ATM can communicate via phone, internet or wireless. If a phone line is used, a dedicated line should be used to prevent Reg E Claims.

What information is required to be placed on the ATM?

Very important: Three items must be on or displayed on screen at every ATM. Operational and suspicious activity notification. This notification is for the customer informing them who is operating the terminal and a phone # to get in touch with them in case of problems. Network Stickers. The ATM should display each network available to the customer in...

How much money do I have to allow the customer to withdraw on a transaction?

Most ATMs are capable of dispensing 40 notes per dispense (ie. $800 using denomination $20). Network requirements mandate a customer to be able to withdraw up to $200 per transaction. Withdrawal settings less than $200 per transaction may impose heavy fines to the vault cash owner for each transaction. National ATM Systems requires this $200 minimum be followed.

What is the best denomination to use in the ATM?

Typically the US $20 note is the most common bill in circulation and is the best fit overall. US $5, $10, $50, $100 bills can be put into an ATM.

How do I get paid?

The surcharge income generated by the ATM can be sent everyday or monthly to an account of your choice. Monthly surcharge payouts are sent electronically to your bank account on the 10th of each month.

Can I monitor the ATM transactions?

As a National ATM Systems merchant, we can grant you access to an online account portal from which to monitor everything about your ATM. Once logged in, you can run reports to see bank deposits, merchant statement, real-time transactions, and even a 12 month history. Call our office for further details and account access.

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...

How does your ATM Machine Work?

From the customer’s perspective – The customer inserts their card, enters their pin # into the ATM, and with the banks approval, money is dispensed from the ATM machine. From the banking perspective – Once the customer enters their request, an encrypted signal is sent to the switch (processor), network, switch, then to the customer’s bank. Once the approval is...