I used to have a lot of ATM owners who replenished from cash on hand or a combination of cash on hand and cash withdrawn from our bank. When dealing with a customer who was replenishing from their own cash, one of the things I looked at was the volume of the ATM settlement transactions. I would add that volume onto their cash deposits for the same time period to see if the total cash was reasonable for their business.
Ideally, you would want to have them deposit all of their cash and withdraw the cash for the ATM as it makes your EDD process much easier. The one situation you don't want to find yourself in is having just the settlement account without having the operating accounts as well. If all you are seeing are ACH credits from ATM settlement and then transfers or withdrawals going somewhere else, it's nearly impossible to do proper EDD.
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