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Q & A

How will I make money with my ATM?

As an owner of an ATM machine you make money each time a customer uses your ATM to take out cash. A convenience fee (surcharge) is added to the amount withdrawn.

Who loads the cash in my machine?

The owner of the ATM machine is responsible for loading cash in the machine or having a 3rd party load cash into the machine. This cash is also paid back to machine owner's bank account on a daily basis as customers pull cash from the ATM.

How do I get my money back, when a customer take the cash?

Your ATM machine is connected to a phone line, internet or wireless device which is connected to a processor. The ATM processor talks to the customers bank. Your bank transfers the money into your account, on a daily basis.

How much cash do I need in the machines?

The vault cash requirements for the machines are highly variable depending on the denomination, transaction volume, withdrawal average and load frequency. Average withdrawal transactions volumes on ATMs average 300 transactions per month. Some ATMs can be lower than 100 per month and of course there are locations with much higher volume although this is the average we see after analyzing thousands of independently owned ATMs. Average transaction withdrawal amounts are anywhere from $60-$80 per withdrawal. Using these averages the typical machine we see would go through $6,000-$8,000 per month on the low end and $12,000-$16,000 on the higher end. Given a weekly vault cash of your machine, anywhere from $2,000-$4,000 per machine would be required on a rotating basis. Keep in mind these are estimates and averages only. We can provide you with the vault cash requirements for the machines we sell.

How much do your ATMs cost?

Our deployed ATM machines average $3,000-$8,000 depending on several factors. One of the factors determining the price is the dispenser. The ATM dispenser is the device inside the ATM that holds and dispenses the cash. There are varying sizes and types of dispensers and when the dispenser can hold more cash and dispense more than one denomination, the price goes up for the ATM. Contact us for information and pricing on our recommened manufacturers, and recomendations for your specific establishment.

How large are these ATMs and how much do they weight?

This varies, but most of the machines we deploy are about the size of a tall filing cabinet (around 50-56 inches high by 20-25 inches wide by 20-25 inches in depth). These smaller stand alone ATMs often weigh around 200-300 pounds and can be moved with a dolly by 1 or 2 persons. Please call us for the most current information.

What is the usual Customer Fee for taking out cash?

Fees are variable depending on location type and area of the country or city. Currently fees are anywhere from $2.50 on the low end to $8.00 on the high end and the current U.S. average fee is $4.50. We provide pricing guidelines, and the fee can be set by the owner of the ATM.

How much does the ATM owner usually receive from each cash withdrawal?

The ATM Convenience fee of $4.00-$8.00 is normally split or partially paid to the merchant or owner of the location where the ATM is placed. This split is dependent on the location and the volume of the account and is up to the ATM owner to determine. This split can be paid out automatically on a daily basis or on a monthly basis by check or ACH. Normally the split is a portion or a percent of the total surcharge fee although the structure of the split is again up to the owner of the ATM machine.

What other fees are associated with ATM transactions?

In addition to the convenience fee the cardholder taking cash out of your ATM pays, they also pay what is called a foreign bank fee. This fee is collected by the cardholders bank and a portion of that fee is normally paid to you as an owner of the ATM machine by your processor. This is called Interchange. The interchange rate is associated with each surchargable transaction. In addition to surchargeable transactions, the ATM owner could receive interchange on balances, transfers and bank denials. This rate is highly variable depending on the processor.

What other costs or expenses are there?

There are several additional costs to consider. (i) Cost of capital or cash required to load the ATM’s (this is your responsibility as an owner of the ATM), Paper, parts and repair costs if a machine breaks down.

Who is responsible for the communication costs (phone, internet or wireless)?

The costs of the communication is absorbed by the merchant if there is an existing phone line not in full time use or there is easy access to connect the ATM via internet. If this is not an option, there are wireless options which typically cost anywhere from $15.00 to $20.00 per month.

How long do ATM machines hold up, and what do their maintenance involve?

New ATM machines normally do not require much maintenance outside of keeping them filled with cash and changing out the receipt paper from time to time. Like any other piece of equipment, ATM’s can break and require repair although anyone with basic maintenance skills can usually fix and learn how to repair an ATM. There are also many ATM repair companies as well as contacting Denali ATM at (907) 345-3000.

What types of things break and how difficult are they to fix?

An ATM machine is made up of a few parts. There is a safe, lock (dial or e-lock) a display screen, keypad/pinpad, printer/paper roll, a card reader, a main board with a modem, a power supply and a dispenser. ATM dispensers have a cassette where the cash is held. The dispenser of a ATM is the most expensive part in the ATM and after years of use can require replacement. Availability and costs for ATM parts and repair are easily accessible through a number of national retailers, and we will assist you all the way.

How long will people be using cash and ATM machines?

Here is a link to read about the ATM business and the future of cash. Article from the Federal Reserve about Cash usage.

How will I know when my machine needs cash, supplies or maintenance?

The ATMs are all connected by either phone or internet to a processor and the processor makes available all of your terminal information by computer and often times by phone or other mobile device. This way you can monitor how much cash is in each machine and you can see in "real time" information about your terminal and what types of transactions are going on with your ATM’s.

How much do the machines hold in cash?

The cassettes in the ATM and dispenser are variable and can hold anywhere from $20,000-$50,000. Machines are normally single denomination and 20’s are the norm, although some machines have multiple denomination capabilities and can dispense 5’s or 10’s along with 20’s. A typical ATM machine holds 1,000 notes or $20,000 in 20’s. This is our usual machine's capacity.

How often do the machines need to be filled with cash?

This is highly variable depending on how busy your location is and how much capital you put in the machine. Ideally the machines could be filled as infrequently as possible in relation to the capital you have to deploy. Most ATM owners attempt to fill their machines no more than once per week.

What are the safety concerns?

Obviously, when you own an ATM machine you are dealing with cash and you need to be as safe as possible. There are several factors to consider choosing a location and when installing and servicing your ATM’s. The things our clients do to protect themselves is also a personal choice and varies from person to person. As in any case, common sense is often your best protection against crime.

What is EMV and does it involve my machine?

EMV stands for Europay, MasterCard, and Visa, the three companies that originally created the standard. Here is a link to the EMV wiki page EMV Wiki; or contact us to discuss the implications of EMV on your ATM machines. We can quickly tell you by phone if your ATM machine is complient or not. This is a free service.

My Business Accepts Credit Credit Cards – do I need an ATM?

Absolutely! This will not only put available cash in the hands of your customers, but it will also help save you money on your credit card processing fees.


Privacy Policy

Privacy Statement Effective as of June 3rd, 2001
Executive One Alaska (DBA "Denali ATM" or the "Company") is committed to protecting the privacy of your information. This Privacy Statement describes www.denaliatm.com's information practices

1. Web Sites Covered This Privacy Statement covers the information practices of Web sites that link to this Privacy Statement: http://www.denaliatm.com. Web sites may contain links to other Web sites. www.denaliatm.com is not responsible for the information practices or the content of such other Web sites. The Company encourages you to review the privacy statements of other Web sites to understand their information practices. 2. Personal Information Collected www.denaliatm.com offers a variety of services that are collectively referred to as the "Service." www.denaliatm.com collects information from individuals who visit the Company's Web sites ("Visitors") and individuals who register to use the Service ("Customers"). When expressing an interest in obtaining additional information about the Service or registering to use the Service, www.denaliatm.com requires you to provide the Company with contact information, such as name, company name, address, phone number, and email address ("Required Contact Information"). When purchasing an ATM or related parts, supplies or the Service, www.denaliatm.com requires you to provide the Company with financial qualification and billing information, such as billing name and address, credit card number, and the number of employees within the organization that will be using the Service ("Billing Information"). www.denaliatm.com may also ask you to provide additional information, such as company annual revenues, number of employees, or industry ("Optional Information"). Required Contact Information, Billing Information, and Optional Information are referred to collectively as "Data About www.denaliatm.com Customers." As you navigate the Company's Web sites, www.denaliatm.com may also collect information through the use of commonly-used information-gathering tools, such as cookies and Web beacons ("Web Site Navigational Information"). Web Site Navigational Information includes standard information from your Web browser (such as browser type and browser language), your Internet Protocol ("IP") address, and the actions you take on the Company's Web sites (such as the Web pages viewed and the links clicked). For additional information about www.denaliatm.com's collection of Web Site Navigational Information. 3. Use of Information Collected The Company uses Data About www.denaliatm.com Customers to perform the services requested. For example, if you fill out a "Contact Me" Web form, the Company will use the information provided to contact you about your interest in the Service. The Company may also use Data About www.denaliatm.com Customers for marketing purposes. For example, the Company may use information you provide to contact you to further discuss your interest in www.denaliatm.com, the Service, and to send you information regarding the Company and its partners, such as information about promotions or events. www.denaliatm.com uses Web Site Navigational Information to operate and improve the Company's Web sites. The Company may also use Web Site Navigational Information in combination with Data About www.denaliatm.com Customers to provide personalized information about the Company. 4. Web Site Navigational Information www.denaliatm.com uses commonly-used information-gathering tools, such as cookies and Web beacons, to collect information as you navigate the Company's Web sites ("Web Site Navigational Information") . This section describes the types of Web Site Navigational Information the Company may collect and how the Company may use this information.

Cookies www.denaliatm.com uses cookies to make interactions with the Company's Web sites easy and meaningful. When you visit one of the Company's Web sites, www.denaliatm.com's servers send a cookie to your computer. Standing alone, cookies do not personally identify you. They merely recognize your Web browser. Unless you choose to identify yourself to www.denaliatm.com, either by responding to a promotional offer, opening an account, or filling out a Web form (such as a "Contact Me" Web form), you remain anonymous to the Company. There are two types of cookies: session-based and persistent-based. Session cookies exist only during one session. They disappear from your computer when you close your browser software or turn off your computer. Persistent cookies remain on your computer after you close your browser or turn off your computer. If you have chosen to identify yourself to www.denaliatm.com, the Company uses session cookies containing encrypted information to allow the Company to uniquely identify you. Each time you log into the Service, a session cookie containing an encrypted, unique identifier that is tied to your account is placed on your browser. These session cookies allow the Company to uniquely identify you when you are logged into the Service and to process your online transactions and requests. Session cookies are required to use the Service and the Company does not recognize do-not-track requests with respect to Session cookies.

www.denaliatm.com uses persistent cookies that only the Company can read and use to identify browsers that have previously visited the Company's Web sites. When you purchase the Service or provide the Company with personal information, however, a unique identifier is assigned you. This unique identifier is associated with a persistent cookie that the Company places on your Web browser and this cookie does not respond to do-not-track requests. The Company is especially careful about the security and confidentiality of the information stored in persistent cookies. For example, the Company does not store account numbers or passwords in persistent cookies. www.denaliatm.com may use information from session and persistent cookies in combination with data about www.denaliatm.com. Customers to provide you with information about the Company and the Service.

Third Party Cookies From time-to-time, www.denaliatm.com engages third parties to track and analyze non-personally identifiable usage and volume statistical information from individuals who visit the Company's Web sites. www.denaliatm.com may also use other third-party cookies to track the performance of Company advertisements. The information provided to third parties does not include personal information, but this information may be re-associated with personal information after the Company receives it. This Privacy Statement does not cover the use of third party cookies, as www.denaliatm.com does not control the cookies potentially used by third parties. Web Beacons www.denaliatm.com uses Web beacons alone or in conjunction with cookies to compile information about Customers and Visitors' usage of the Company's Web sites and interaction with emails from the Company. Web beacons are clear electronic images that can recognize certain types of information on your computer, such as cookies, when you viewed a particular Web site tied to the Web beacon, and a description of a Web site tied to the Web beacon. For example, www.denaliatm.com may place Web beacons in marketing emails that notify the Company when you click on a link in the email that directs you to one of the Company's Web sites. www.denaliatm.com uses Web beacons to operate and improve the Company's Web sites and email communications. www.denaliatm.com may use information from Web beacons in combination with Data About www.denaliatm.com Customers to provide you with information about the Company and the Service. IP Addresses When you visit www.pageone.us's Web sites, the Company collects your Internet Protocol ("IP") addresses to track and aggregate non-personally identifiable information. For example, www.denaliatm.com uses IP addresses to monitor the regions from which Customers and Visitors navigate the Company's Web sites. www.denaliatm.com also collects IP addresses from Customers whey they log into the Service as part of the Company's "Identity Confirmation" and "IP Range Restrictions" security features.
5. Public Forums, Refer a Friend, and Customer Testimonials www.denaliatm.com may provide bulletin boards, blogs, or chat rooms on the Company's Web sites. Any personally identifiable information you choose to submit in such a forum may be read, collected, or used by others who visit these forums, and may be used to send you unsolicited messages. www.denaliatm.com is not responsible for the personally identifiable information you choose to submit in these forums. Customers and Visitors may elect to use the Company's referral service to inform friends about the Company's Web sites. When using the referral service, the Company requests the friend's name and email address. www.denaliatm.com will automatically send the friend a one-time email inviting him or her to visit the Company's Web sites. www.denaliatm.com does not store this information. www.denaliatm.com does not post a list of Customers and testimonials on any of the Company's related Web sites due to the huge competitive advance this service offers our Customers. 6. Sharing of Information Collected www.denaliatm.com may share Data About www.denaliatm.com Customers with the Company's agents so that these agents can contact Customers and Visitors who have provided contact information on our behalf. www.pageone.us may also share Data About www.denaliatm.com Customers with the Company's agents to ensure the quality of information provided. www.denaliatm.com does not share, sell, rent, or trade personally identifiable information with third parties for their promotional purposes. www.denaliatm.com uses PayPal, a third-party intermediary to manage credit card processing. This intermediary is not permitted to store, retain, or use Billing Information except for the sole purpose of credit card processing on the Company's behalf. www.denaliatm.com reserves the right to disclose personally identifiable information of the Company's Customers or Visitors if required by law or if the Company reasonably believes that disclosure is necessary to protect the Company's rights and/or to comply with a judicial proceeding, court order, or legal process. 7. Correcting and Updating Your Information Customers may update or change their registration information by editing their user or organization record. To discontinue your account and to have information you maintained in the Service returned to you, please call (907) 345-3000. Requests to access, change, or delete your information will be handled within 30 days. 9. Customer Data www.denaliatm.com Customers use the Service to host data and information ("Customer Data"). www.denaliatm.com will not review, share, distribute, or reference any such Customer Data except as may be required by law. Individual records of Customer Data may be viewed or accessed only for the purpose of resolving a problem, support issues, or suspected violation of the www.denaliatm.com. Terms of Service, or as may be required by law. Customers are responsible for maintaining the security and confidentiality of their EOA usernames and passwords. 10. Security www.denaliatm.com uses robust security measures to protect Customer Data from unauthorized access, maintain data accuracy, and help ensure the appropriate use of Customer Data. When the Service is accessed using Internet Explorer version 6.0 or later, Firefox version 2.0 or later, or Safari version 3.0 or later, Secure Socket Layer ("SSL") technology protects Customer Data using both server authentication and data encryption. These technologies help ensure that Customer Data is safe, secure, and only available to the Customer to whom the information belongs and those to whom the Customer has granted access. www.denaliatm.com also implements an advanced security method based on dynamic data and encoded session identifications, and the Company hosts its Web sites in a secure server environment that uses firewalls and other advanced technology to prevent interference or access from outside intruders. www.denaliatm.com also offers enhanced security features within the Service that permit Customers to configure security settings to the level they deem necessary. Because the Company uses the Service to maintain Data About www.denaliatm.com Customers, this information is secured in the same manner as described above for Customer Data. 11. Changes to this Privacy Statement www.denaliatm.com reserves the right to change this Privacy Statement. www.denaliatm.com will provide notification of the material changes to this Privacy Statement through the Company's Web sites at least thirty (30) business days prior to the change taking effect. 12. Contacting Us Questions regarding this Privacy Statement or the information practices of the Company's Web sites should be directed to www.denaliatm.com Privacy by using one of our Web forms.

What is EMV and does my ATM need it?

EMV stands for Europay Mastercard & Visa. it is a joint effort to ensure security for customers and inter-operability between nations. Yes you need EMV. The national card networks, such as VISA and MasterCard have begun to pass the liability for card fraud onto you the merchant. What this means is that if someone steals card data (such as the recent theft at Target Dept. stores) and they use the stolen card in your location, you will not be paid for the fraudulent transaction. Even worse, you could be liable for the cost of replacing every card issued by that bank – possibly millions of dollars! However, if your ATM has a working EMV card reader, the liability will remain with the banks, and not on you.