• ATM card is entered into the ATM - PIN is entered - Amount is entered for withdrawal
• ATM dials the appropriate network (Star, Presto, Plus, Cirrus, etc.)
• The appropriate network then contacts the customer's financial institution to verify funds
• If approved, the amount requested plus any surcharge is debited from the customer's account
• The transaction is processed through the Federal Reserve's automated clearing house (ACH)
• The surcharge and the amount withdrawn are electronically deposited in the owner of the ATM's account

There are 5 options:

	5 Seconds Direct Ethernet via TCP/IP & wireless connection via TCP/IP If ATM is TCP/IP capable – just Internet connection fee		Wireless Connection Wireless cell connection – box is $600 + monthly service fee of $19.95; or rent for $39.95 per month
	10-15 Seconds Wireless connection via dial-up Wireless cell connection - box is $600 + monthly service fee of $19.95; or rent for $39.95 per month
	15-20 Seconds Standard dial-up and Ethernet converter Dial-up – No encryption fee, just need to pay for phone line		Ethernet Converter Ethernet converter box – $250, no phone line fee (can use existing Ethernet connection)