# ATM cash servicing software that ties every replenishment to a settlement you can prove

> ATM cash servicing is the work of forecasting, moving, loading and reconciling the currency inside cash machines, whether the fleet belongs to a bank or to an independent operator. It sits directly on the Bank Secrecy Act: a currency transaction of more than $10,000 triggers a report, a money services business must file a suspicious activity report at $2,000 within 30 calendar days, and FinCEN tells banks the source of replenishment cash is a risk factor. Neurobird holds the route, the load and the settlement on one record.

- URL: https://neurobird.com/atmcash/
- Product: Neurobird ATM Cash Servicing Operations Platform
- Niche: ATM cash servicing
- Buyer: independent ATM operators and cash logistics companies
- Status: in development, open for early access
- Updated: 2026-08-22

## What Neurobird ATM Cash Servicing does

- Forecast each machine from its own history rather than from a fleet wide average
- Record the load by cassette and denomination at the machine, not at the end of the shift
- Match the settlement file to the visit that produced it and surface differences the same day
- Keep registration, agent lists and the reporting record where an examiner or a bank can be shown them

## How it works

1. **Plan the route** Each machine carries its own draw rate and residual, so the run is built from demand and vault capacity rather than from a fixed weekly rhythm.
2. **Load and count** Cassette counts, denominations, seal numbers and the person who carried the cash are captured at the machine, which is the only place the number is ever actually true.
3. **Settle and reconcile** The processor settlement lands against the visit, differences are flagged while the cassette is still traceable, and the compliance record grows from the same data.

## From the source material

> An independent ATM operator is an individual or an entity that is in the business of owning, leasing, managing, or otherwise controlling access to the interior of an ATM, including its internal cash vault.

Source: FinCEN statement on due diligence for independent ATM owners or operators, https://www.fincen.gov/sites/default/files/2022-06/Statement%20for%20Independent%20ATM%20Owners%20or%20Operators_508.pdf

## Industry context

- **$10,000** Threshold for a currency transaction report. A financial institution must report each deposit, withdrawal, exchange or transfer in currency of more than $10,000. (source: 31 CFR 1010.311, https://www.law.cornell.edu/cfr/text/31/1010.311)
- **$2,000** Suspicious activity reporting threshold for a money services business, filed no later than 30 calendar days after the initial detection, with supporting records kept for five years. (source: 31 CFR 1022.320, https://www.law.cornell.edu/cfr/text/31/1022.320)
- **180 days** Deadline to file the initial money services business registration, measured from the day after the business is established, with renewal running on two calendar year periods. (source: 31 CFR 1022.380, https://www.law.cornell.edu/cfr/text/31/1022.380)
- **50 percent** Growth in the number of agents during a registration period that forces a money services business to re-register, with the form due within 180 days of the change. (source: 31 CFR 1022.380, https://www.law.cornell.edu/cfr/text/31/1022.380)
- **40 inches** Height, 1015 mm, from which an accessible machine's display screen must be visible when measured above the center of the clear floor space in front of it. (source: 2010 ADA Standards, section 707, https://www.ada.gov/law-and-regs/design-standards/2010-stds/)
- **1005.16** The Regulation E section requiring an operator that charges a fee to disclose it on the screen or on paper before the consumer is committed to paying it. (source: 12 CFR 1005.16, https://www.law.cornell.edu/cfr/text/12/1005.16)

## Pricing

- Small fleet: $169 per month
- Operator: $599 per month
- Cash logistics: $1,390 per month

## Questions

### What is ATM cash servicing?

It is forecasting, transporting, loading and reconciling the currency inside cash machines. FinCEN describes an independent ATM operator as an individual or entity in the business of owning, leasing, managing or otherwise controlling access to the interior of a machine, including its internal cash vault.

### What are the reporting duties on an ATM operator?

A currency transaction of more than $10,000 is reportable under 31 CFR 1010.311. A money services business must file a suspicious activity report on transactions of at least $2,000 within 30 calendar days of initial detection and keep supporting records for five years.

### Does this replace our processor or monitoring system?

No. The processor still settles and the monitoring still calls out a fault. This is the operational record between them: the forecast, the load by cassette, the person who carried it and the reconciliation against the settlement file.

### How does it help with a bank relationship?

By making the source of replenishment cash and the settlement it produced traceable on one record. FinCEN points banks at exactly that question, and says an operator funding machines from its own account may present lower risk because the source is visible.

### Can it track compliance dates?

Yes. Money services business registration is due within 180 days of the business being established and renews on two calendar year periods, and the agent list has to be revised each January, so those dates sit beside the route rather than in a folder.

## Sources

- [FinCEN statement on due diligence for independent ATM owners or operators](https://www.fincen.gov/sites/default/files/2022-06/Statement%20for%20Independent%20ATM%20Owners%20or%20Operators_508.pdf)
- [31 CFR 1010.311, currency transaction reports](https://www.law.cornell.edu/cfr/text/31/1010.311)
- [31 CFR 1022.320, suspicious activity reports for money services businesses](https://www.law.cornell.edu/cfr/text/31/1022.320)
- [31 CFR 1022.380, money services business registration](https://www.law.cornell.edu/cfr/text/31/1022.380)
- [12 CFR 1005.16, ATM fee disclosure under Regulation E](https://www.law.cornell.edu/cfr/text/12/1005.16)
- [2010 ADA Standards for Accessible Design, section 707](https://www.ada.gov/law-and-regs/design-standards/2010-stds/)

## Contact

- office@neurobird.com
- https://neurobird.com/