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Message: <blockquote data-quote="Chimera" data-source="post: 4150366" data-attributes="member: 2002">Having once serviced ATM's, I feel I can address this.ATMs are convenient places to get small to medium amounts of cash.  Some banks have and/or still have limits of perhaps $250 per day that can be withdrawn through ATMs, which serves mostly to protect the customer from theft and fraud.The typical ATM is loaded only with $20 bills, because this is the most common currency in circulation and the largest bill that most establishments care to deal with.  Cash tills do not have slots for larger bills and the preponderance of counterfit bills tends to be higher in the larger denominations.  A stupid, lazy or distracted clerk taking a fake $100 and giving real change can hurt a business, whereas you're not likely to get a bunch of fake $20s.The typical ATM also carries only one kind of bills.  While a few carry more (I serviced some with 10's and 20's, some with 5's and 20's, but not many), the risk is that the tech will reverse the cartridges and give the wrong bills.  This hurts the bank on both ends, having to reimburse people who got five 5's when they asked for $100, losing $45 when somebody figures it out and asks for $15 so they actually get $60.  While I never made this mistake, my partner was once accused of it, until we found out that it was actually another company's machine service tech who worked on it.  They had to reimburse something like $2500 for that guy's mistake!The other side of it is the risk in loading the machine.  Some of the riskier neighborhoods we serviced would have older machines that were hand-loaded with cash.  We'd typically put $16-20,000 in them, and for that we were kneeling in front of the open machine in an open and active establishment in a bad neighborhood, with $20,000 in CASH in our hands.  We had a couple of very close calls at those machines!  (My partner and I once refused, refused a second time and again a third time "even if we get fired" to service a machine at a tax refund place in a nightmare neighborhood, where they wanted us to put $340,000 cash into the machine!  Because ONE GUY would be in the place on his own loading the machine with enough money to cause a riot.)But most machines have cartridges which are pre-loaded and sealed.  We just pulled the old one out and put the new one in, and told the machine how much money it was.  But even then, you're walking around with $30-$60K, which can be risky.Theft of entire ATMs is also not uncommon.  On my last job working for a University, someone broke into one of the buildings, at a door not covered by a security camera, loaded up and drove off with the whole ATM.  The loss was claimed to be $34,000.</blockquote>

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