How It Works

• The customer inserts his bankcard in the ATM and requests a withdrawal.
• The ATM dials a toll-free number to contact the appropriate network such as Star® Plus® or Cirrus®, which then contacts the customer’s financial institution.
• The customer’s funds are verified by their financial institution.
• If funds are available, the transaction is approved and the customer receives cash from the ATM.
• The withdrawal amount and the surcharge are debited from the customer’s account.
• The transaction is processed through the Federal Reserve’s automated clearing house.
• Both the surcharge and the withdrawal amount are electronically deposited in the ATM owner’s account.