Whether you call it an ATM or a cash-dispenser, the result is the same -- the business is paying out cash in excess of the cash it brings in. It's a net cash user, not a net cash supplier. That would be the situation whether the cash is paid out from the "till" or from this machine, whatever you call it. Now your challenge becomes how you monitor cash used by the business and determine whether those cash payouts are reasonable and expected based on your knowledge of the business, its volume, and its peer businesses.
John S. Burnett
Fighting for Compliance since 1976
Bankers' Threads User #8