• ATM card is entered into the ATM – PIN is entered – Amount is entered for withdrawal
• ATM dials the appropriate network (Star, Presto, Plus, Cirrus, etc.)
• The appropriate network then contacts the customer’s financial institution to verify funds
• If approved, the amount requested plus any surcharge is debited from the customer’s account
• The transaction is processed through the Federal Reserve’s automated clearing house (ACH)
• The surcharge and the amount withdrawn are electronically deposited in the owner of the ATM’s account

ATM Connections Methods

There are 5 options:

5 Seconds Direct Ethernet via TCP/IP &wireless connection via TCP/IPIf ATM is TCP/IP capable – just Internet connection fee	Wireless ConnectionWireless cell connection – box is $250 + monthly service fee of $14.99; or rent for $24.99 per month
10-15 Seconds Wireless connection via dial-up Wireless cell connection – box is $250 + monthly service fee of $14.99; or rent for $24.99 per month
15-20 Seconds Standard dial-up and Ethernet converter Dial-up – No encryption fee, just need to pay for phone line	Ethernet Converter Ethernet converter box – $200, no phone line fee (can use existing Ethernet connection)