ATM Installation Best Practicesfor Financial Institutions
In today's fast-moving world, ATMs remain a cornerstone of convenient banking access. But installing them isn't as simple as plugging in a machine — it's a multi-layered process that demands planning, precision, and strict security protocols. At Exum Services Inc., we've helped hundreds of financial institutions deploy ATMs safely and efficiently.
This guide covers the best practices for ATM installation in 2025 — focusing on physical security, compliance, and long-term operational reliability.
Visibility & Accessibility
High foot traffic areas with clear visibility help reduce the risk of vandalism or tampering. The location should be easily accessible to customers while maintaining security oversight.
Surrounding Infrastructure
Ensure stable power sources, internet connectivity, and protection from the elements (e.g., awnings or enclosures for outdoor units). Infrastructure reliability is crucial for continuous operation.
Security Risk Profile
Use crime rate data and historical incident logs to avoid high-risk zones or implement enhanced protection measures in those areas. A thorough risk assessment prevents future security issues.
Exum Services Site Assessment
Exum Services Inc. offers full-site assessments to evaluate feasibility and risk before installation, ensuring optimal placement and security.
Anchoring Systems
ATMs should be bolted to a concrete base using tamper-proof fasteners rated for high-impact resistance. Proper anchoring is the first line of defense against theft attempts.
Anti-Ram Barriers
Steel bollards or reinforced concrete guards protect against vehicle-based attacks. These barriers should be strategically placed to prevent ramming while maintaining customer access.
Alarm Integration
Connection to the building's alarm system ensures automatic alerts in case of tampering or forced entry attempts. Real-time monitoring is essential for rapid response.
UL 291 & ADA Compliance
We install all Exum-provided ATMs to meet or exceed UL 291 and ADA compliance standards, with physical anchoring as a default security measure.
Surveillance Camera Coverage
All ATM installations should be monitored by CCTV with both day and night vision capabilities. Multiple camera angles provide comprehensive coverage of the transaction area.
Lighting
Adequate overhead lighting discourages criminal activity and ensures customer safety. Proper illumination is crucial for both security cameras and customer confidence.
Access Control
Maintenance access should require dual-authentication (key + biometric or digital code), and all access should be logged. Strict access control prevents unauthorized tampering.
Integrated Security Solutions
At Exum Services Inc., we integrate your ATM with your existing security network or build a standalone system as needed for comprehensive protection.
ADA Compliance
Machines must be accessible to individuals with disabilities, including appropriate screen height, Braille, and audio prompts. Accessibility compliance is legally required and ensures inclusive banking.
PCI Compliance
Any ATM handling cardholder data must be housed in a physically secure enclosure with tamper-evident features. PCI compliance protects customer data and prevents fraud.
Local Permits & Inspections
Some municipalities require permits or fire safety approvals before operation. Proper permitting ensures legal compliance and operational authorization.
Regulatory Compliance Handled
Exum Services handles these regulatory checks on your behalf, streamlining the approval process and ensuring full compliance.
Conduct Load Testing
Simulate transactions and test all interfaces (card reader, cash dispenser, keypad, receipt printer). Comprehensive testing ensures all systems function properly before going live.
Schedule Regular Maintenance
Quarterly checks on hardware, software updates, and replenishment cycles prevent costly downtime. Proactive maintenance is more cost-effective than reactive repairs.
Plan for Emergency Access
Install override systems and document access procedures for authorized personnel in case of a malfunction or lockout. Emergency procedures minimize downtime and customer inconvenience.
ExumCare™ Maintenance Package
With our ExumCare™ Maintenance Package, you get proactive service visits, 24/7 support, and guaranteed response times for optimal ATM performance.
Installation Best Practices Summary
Key guidelines for successful ATM installation and long-term operation
Always conduct thorough site assessments before installation
Use only UL 291 certified anchoring systems and hardware
Integrate ATMs with existing security infrastructure
Ensure ADA compliance for all installations
Document all installation procedures and maintenance schedules
Train staff on emergency access and troubleshooting procedures
Maintain detailed logs of all access and maintenance activities
Schedule regular security assessments and updates
The Exum Services Advantage
Why financial institutions choose Exum Services for ATM installations
Site Assessment Expertise
Comprehensive evaluation of location feasibility and security risks before installation
UL 291 Compliance
All installations meet or exceed industry security standards with proper anchoring
Security Integration
Seamless integration with existing security systems or standalone network setup
Regulatory Compliance
Complete handling of ADA, PCI, and local permit requirements
ExumCare™ Maintenance
Proactive service visits, 24/7 support, and guaranteed response times
Partner with Exum Services Inc.
As financial crime becomes more sophisticated, your ATM installation needs to be smarter, stronger, and safer. At Exum Services Inc., we bring decades of hands-on experience installing and securing ATMs across the banking sector — from standalone rural units to high-traffic urban installations.
We don't just install machines. We build peace of mind.
Planning a new ATM rollout or replacing an older unit?
Contact Exum Services Inc. today to schedule your site assessment and discover how we can protect your investment.