Financial institutions
Managed ATM services for banks and credit unions
Your cash-dispense terminals cost more to own and staff than they need to. We take the fleet — hardware, vault cash, loading, monitoring, and first-line service — and hand you back the hours and the capital.
The trade we are asking you to make
One thing, stated up front, because it decides whether the rest of this page is relevant to you: this program runs on retail-class hardware. Genmega and Hyosung terminals, not branch-class machines.
That means these are cash-dispense points. They do not take deposits. If a terminal's whole job is pulling deposit traffic off the teller line, keep the branch-class machine — we will tell you that in the assessment rather than sell around it.
For everything else — off-premise sites, drive-up overflow, lobby supplemental units, remote branches, the machine at the grocery store that carries your brand and nothing else — retail-class hardware does the same job for roughly a tenth of the capital, and the member or customer experience at the keypad is identical.
Where the money actually goes
Institutions consistently underestimate in-house fleet cost because most of it is buried in salary lines rather than sitting on an invoice. A representative single cash-dispense terminal:
Illustrative ranges, not a quote. The assessment builds these against your actual terminal count, load frequency, and armored contract.
What you stop doing
Balancing and settlement reconciliation. Coordinating armored schedules. Clearing jams and swapping receipt paper. Chasing a second-line vendor who quoted four hours and showed up the next afternoon. Fielding the 6am call that the Main Street machine is down.
None of that is anybody's actual job at a 2-to-20 branch institution. It is one of nine things sitting with a VP of Retail Delivery or an operations officer who inherited it from someone who retired. Removing it is the reason to do this. The cost savings are how you justify it to the board afterward.
Questions every institution asks, answered plainly
Do our own cardholders get surcharged at our own machine?
No. Your BIN ranges are loaded at the switch so your cards are recognized as on-us and pass surcharge-free. This is configuration, not a workaround, and it is verified before the terminal goes live.
Can these terminals sit in a surcharge-free network?
Yes. Retail-class hardware participates in the major surcharge-free networks the same as any other terminal. For a credit union this is usually the entire point — the program is a way to add member access points at a fraction of what branch hardware costs per location.
Who owns Reg E error resolution?
It follows terminal ownership. Where Axis owns the terminal, Axis is the operator of record and absorbs disclosure obligations and error research. Where you own it, you remain the operator and we service it. Both structures are available and the choice is written into the agreement, not left to be discovered later.
What happens to vault cash?
We can provide it. That takes the idle cash out of your machines and off your balance sheet, which is generally the strongest argument in the room once a CFO is listening.
What about compliance and accessibility?
Terminals ship ADA-compliant with voice guidance and compliant reach ranges, current EMV and PIN security standards, and a documented patch and software lifecycle. Compliance posture is part of the quarterly reporting, not something you have to ask for.