Well, several ways. First, Banks pay a small fee to the ATM networks for connecting the cardholder to the bank. Second, your ATM charges the cardholder a fee (referred to as a surcharge or convenience fee). You, the ATM owner, set this fee. If you sign up with ATMdepot.com you receive up to 110% of this fee. That’s right, we said 110% (that’s one hundred and ten percent) of the fee you charge.*

Remember, it costs you nothing to process ATM transactions with Atmdepot.com. We have no statement fee, no minimum, and no monthly fees. There are no hidden charges. Sign up now.

The average ATM transaction is $60 but a banking rule states that a cardholder must be able to withdraw a maximum of $200 when paying a surcharge. You can set a limit on how much can be taken out, but it needs to be at least $200. Keep in mind that there are very few $200 transactions.

The average surcharge is typically set between $1.50 - $2.00. If you own the ATM you can set it at whatever you want, however some states have specific maximums. If you’re not sure what the legal limit is in your state click here.

All of the money taken out of your ATM is directly deposited back into your checking account in 48 business hours. All funds go through the Federal Reserve ACH (automated clearing house). Funds from surcharge income are direct deposited into your checking account also, but at the end of each month for easy book keeping. It's just like having your credit card charges direct deposited into your checking account.

One of the most frequently asked questions we receive is how much can I make with an ATM. This is not always easy to answer. The average ATM in a retail environment (not a bank) does about 8 – 10 transactions per day. Keep in mind that there are ATM owners only doing two or three transactions a day on an ATM too. If you surcharge $1.50, then ATMdepot.com pays you $1.65. This means if your ATM were processing 3 – 4 transactions per day you would earn $150 - $200 per month. If your ATM falls in the average usage of 8 – 10 per day, you would earn approx $13 - $17 per day or around $400 - $500 per month. An outdoor ATM or one of our Drive Up or Walk up kiosks can produce twenty-five (25) transactions a day or more (that’s only 1 per hour). With 25 transactions per day you would earn over $1200 per month.


*110% is limited to a surcharge of $2.00. If your surcharge / convenience fee is higher than $2.00 your maximum revenue share will be 100% of your surcharge plus 10% of the first $2.00.