Cook Solutions Group

TCRs & Cash Management

A Teller Cash Recycler (TCR) is a machine that verifies incoming banknotes and securely stores the cash in an internal vault. TCRs provide the ability to process automated cash transactions for the tellers from the cash inventory, including deposits and withdrawals.

Learn why TCR's are 50% less cost, more secure with managed services, and 40% more efficient.
Teller Cash Management

Automate your cash handling with our Teller Cash Recycler (TCR) solutions designed for speed, security, and cost efficiency. We help your branch process cash transactions faster while reducing risks and expenses.

  • Automated Transactions: Speed up cash deposits and withdrawals with advanced TCRs.
  • Enhanced Security: Secure cash with remote monitoring and reduced manual errors.
  • Cost Efficiency: Lower handling costs and boost efficiency with modern TCR technology.

TCR technology has come further than you think, 7 avoidable pain points:

  1. Wasting hours manually auditing cash: Many financial institutions still waste countless hours weekly and monthly auditing their cash when they can automate it.
  2. A hidden cyberattack risk: Who is servicing your TCR behind the counter? Many services are not Type 2 Soc 2 nor do they have the capability to remotely push security patches. The IT dept often overlooks TCRs, which typically connect to your network. Have you performed vendor due diligence and a security audit?
  3. Overpaying for old technology: TCRs have dramatically come down in price. Certain brands are overpriced, lack automation & the ability to secure remote patching.
  4. Open platforms for integration: Do your recyclers run closed proprietary software that inhibits software collaboration with older branch technology? If so ask yourself why? Integrating your recyclers to AI platforms, branch surveillance systems for dispute tracking, remote resolution software that the servicer of your choice can use, the list goes on. Don’t give up your freedom by deploying a recycler that doesn’t offer an open platform to collaborate with your other technology partners.
  5. Cash Handling ecosystem: This is not just a teller cash recycling conversation. This should be part of a greater conversation around how you need to handle your cash distribution channels available to you. There are several pieces to this puzzle, making sure they fit is important. Do not make a siloed decision solely around the safe behind teller row.
  6. Price has come down: Let us be real, recyclers should not be the same price as an ATM. If you haven’t shopped for upgraded technology lately you will be surprised that you were likely overpaying for subpar technology.
  7. Capacity has increased: Cassette-based recyclers provide close to double the capacity compared to an RSM recycler. Odds are with a cassette-based recycler you can reduce the number of machines you need to buy and maintain to stay profitable. No one wants to run out of cash or a denomination, doubling up your available currency levels brings that peace of mind and an exceptional consumer experience.

Teller Cash Recyclers Benefits:

  • Increases cash management efficiencies/elimination of dual control
  • Increased security
  • FTE reduction, increase efficiencies
  • Frees up tellers, allowing for cross-selling and customer service
  • Enhances universal banker modeling/open branch design
  • Middleware options and all-inclusive service available

Automated TCR Audit Process:

Audit Step Time Est.
1: Optional — before, during, or after N/A
2. Put the unit into service mode Disable transitions 1 MIN
3. Attach locked transit cassette 1 MIN
4. Select self audit in software and monitor 20 MIN
5. Enter counts into teller audit system 5 MIN
Total 27 MIN

Manual TCR Audit Process:

Audit Step Time Est.
1: Wait for after or before customer hours N/A
2. Put the unit into service mode Disable transitions 1 MIN
3. Dual Control Time × 2
4. Open vault door 2 MIN
5. Extract all cassettes 5 MIN
6. Manual counting with counter/sorter device 20 MIN
7. Enter counts into teller audit system 5 MIN
8. Deposit all bank notes back into TCR 10 MIN
Total 43 × 2 86 MIN

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Why use us for Teller Cash Automation Services:

  • Extensive resources such as process mapping and ROI studies
  • Scalable modular solutions; field upgradeable capacity
  • Integrated and certified on nearly all teller applications
  • Single, dual, and self-serve options
  • Focused solely on cash automation
  • All-inclusive service agreement on all parts and labor
Our Solutions

Questions to ask in the new era of TCRs:

Q: What is a teller cash recycler (TCR)?

A: A teller cash recycler (TCR) is a machine that verifies incoming banknotes and securely stores cash in an internal vault. It processes automated cash transactions for tellers — deposits and withdrawals — directly from the cash inventory, speeding up transactions while reducing manual handling and errors.

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Q: What does TCR stand for in banking?

A: TCR stands for teller cash recycler. It's the automated cash-handling machine at the teller line that accepts, authenticates, stores, and recycles currency back out for withdrawals, rather than routing cash to a separate manual count or vault.

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Q: How does a teller cash recycler work?

A: A TCR authenticates incoming banknotes, securely stores them in an internal vault, and dispenses cash for withdrawals from that same recycled inventory. This automates deposits and withdrawals at the teller line, reduces manual auditing, and keeps cash secured and balanced in real time.

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Q: What are the benefits of a teller cash recycler?

A: TCRs increase cash-handling efficiency, eliminate dual control, and strengthen security. They reduce full-time-equivalent labor, free tellers for cross-selling and customer service, and support universal banker and open-branch designs. With managed services, CSG customers see roughly 50% lower cost, greater security, and 40% more efficiency.

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Q: How much does a teller cash recycler cost?

A: The cost of a teller cash recycler depends on capacity, configuration, and how many units your branches need. Modern TCRs are more affordable and efficient than earlier generations, and the right setup often pays for itself through reduced cash-handling labor and improved accuracy. Contact us for a tailored quote and ROI estimate for your institution.

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Vendor Partners We Work With.

We team up with industry-leading vendors to deliver the best in security, technology, and service. Together, we provide our customers with innovative, reliable solutions tailored to their unique needs.

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Entrust
Hyosung
Advanced Fraud Solutions
IDGo
Fenco
QTS Inc