Credit unions
ATM outsourcing for credit unions
A credit union measures ATM success in member access points, not in surcharge income. That changes the math entirely — and it is the reason retail-class hardware makes more sense here than anywhere else.
Access points are the product
If the goal is surcharge revenue, terminal cost is something you amortize against income and the conversation is about yield. If the goal is member convenience, terminal cost is pure expense per access point — and the institution that can add access points for four thousand dollars instead of forty thousand simply gets to have more of them.
That is the whole thesis. Same keypad experience for the member, same surcharge-free network participation, roughly a tenth of the capital per location. Put terminals where your members actually are rather than only where a branch happens to be.
Cost per access point
Illustrative. Cash-dispense terminals only — deposit-taking sites are a separate decision and we will flag them.
Network and on-us handling
Your BIN ranges load at the switch so member cards are recognized as on-us and pass surcharge-free at your terminals. Participation in the major surcharge-free networks is fully supported on retail-class hardware — it is the same terminal class those networks already run on across tens of thousands of locations.
Shared branching strategy and network reach should drive terminal placement decisions. We build the assessment around that rather than around transaction yield.