Now, if you decide to get your own ATM, there's more to it than just buying the machine. Sure, you can find one for as low as $2,400, but there's a bunch of other stuff you'll need too.

First, you'll want insurance to protect your machine in case something bad happens – like someone tries to break into the ATM. Then there are Americans with Disabilities Act (ADA) compliance regulations which are designed to make it easy for everyone to use the machine. There are a surprising number of people out there that purposely scope out ATMs to flag them for compliance issues and sue.

Then there is the need to train your staff on how to keep the machine working smoothly – like putting cash in, fixing any cash jams, and knowing what to do if something else goes wrong. You’ll also need a good internet connection to make sure all of the transactions go smoothly.

There is also the necessity of performing regular maintenance to check conveyor belts and other machinery to keep the machine in tip-top shape. Finally, there is the necessity of monitoring cash volumes to make sure the machine is able to meet the cash needs of your customers. Even if you fill the machine with the store’s cash deposits, heavily used ATMs may require extra bank runs or calls to your armored carrier to bring in additional cash. It's a bit of work, but surcharge fees and additional customer revenues can really make it pay off!

If that sounds like a lot of time and effort, there is another option. Partnering with a reputable independent ATM deployer, like BFC Enterprises. These companies are dedicated to taking care of ATMs for businesses like yours. ATM deployers usually have turn-key programs where they will do everything for you.

They'll own the machine, take care of all the cash management, make sure the ATM meets compliance standards and runs properly. They’ll even handle any problems that come up. And the best part? You don't have to pay a bunch of money upfront. Payment is typically made based on anticipated transaction volumes and surcharge amounts – and you’ll still earn a portion of that revenue.

So, there you have it – owning your own ATM versus partnering with a professional. It's a big decision, for sure. Owning one gives you total control, but it also means a lot of extra time, effort, and expense. On the other hand, a reliable ATM partner means less stress and hassle for you, and you still get all the benefits of having an ATM in your store. So, what's your call?