COVID-19 and the Importance of Contactless Cash Handling with CDM Machines


COVID-19 and the Importance of Contactless Cash Handling with CDM Machines

The world has been upended by the COVID-19 pandemic. As people scramble to adjust to a new normal, businesses and financial institutions have had to adapt as well. One area of particular concern has been the handling of paper currency. With the virus spreading through droplets and contact with contaminated surfaces, contactless cash handling has become crucial for public health and safety. In this article, we will explore the importance of contactless cash handling with CDM machines during the COVID-19 pandemic.

What is a CDM Machine?

A CDM machine, or cash deposit machine, is a self-service kiosk that accepts cash deposits. Customers can insert cash bills into the machine, which counts and sorts the money and then deposits it into the customer's account. CDM machines are commonly used by banks, credit unions, and other financial institutions.

Why Contactless Cash Handling is Important During the Pandemic

The COVID-19 pandemic has highlighted the importance of contactless cash handling. According to studies, the virus can survive on surfaces for several days, including paper currency. This means that people who touch contaminated money can easily spread the virus to others. Additionally, the virus is primarily spread through respiratory droplets, making face-to-face transactions a high-risk activity.

One way to reduce the risk of transmission is through contactless cash handling. Contactless cash handling involves using machines like CDMs to deposit and withdraw money without direct contact with other people. This not only protects customers but also employees who handle cash transactions.

Advantages of CDM Machines for Contactless Cash Handling

CDM machines offer several advantages over traditional cash handling methods. The most significant advantage is that they allow for contactless transactions, reducing the risk of virus transmission. Other advantages include:

Safety: CDM machines minimize the need for customers to interact with bank employees, reducing the risk of transmission.

Convenience: CDM machines offer 24/7 access to cash deposits, making banking more convenient for customers.

Accuracy: CDM machines count and sort cash accurately, reducing errors and improving efficiency for financial institutions.

Cost-Effective: CDM machines can reduce costs for banks and credit unions by automating the cash handling process and reducing the need for tellers.

How CDM Machines Work

CDM machines work by accepting cash deposits from customers and sorting and counting the money before depositing it into the customer's account. The typical process for depositing cash with a CDM machine includes:

Step 1: A customer inserts their ATM or debit card into the machine.

Step 2: The machine prompts the customer to select the deposit option and enter the amount of cash they wish to deposit.

Step 3: The customer inserts the cash bills into the machine. The machine counts and sorts the bills and grades them for quality.

Step 4: The machine displays the deposit amount for verification. If the amount is correct, the customer approves the transaction.

Step 5: The CDM machine prints a receipt for the transaction, and the money is deposited into the customer's account.


Contactless cash handling is crucial during the COVID-19 pandemic to reduce the risk of virus transmission. CDM machines offer a safe, convenient, accurate, and cost-effective way to handle cash transactions without direct contact with other people. As the world continues to adjust to a new normal, CDM machines offer financial institutions a way to adapt to changing circumstances and protect the health and safety of their customers and employees.


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