--- title: Don't Sweat the Small Bills description: Reducing dependence on your bank's hours can increase operational efficiency. 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[News & Updates](https://news.cdlatm.com/news-and-updates) - [Contact Us](https://www.cdlatm.com/contact-us) # Don't Sweat the Small Bills 13 July 2026 [retail cash management](https://news.cdlatm.com/news-and-updates/tag/retail-cash-management), [cash management solutions for retailers](https://news.cdlatm.com/news-and-updates/tag/cash-management-solutions-for-retailers), [ATM service provider](https://news.cdlatm.com/news-and-updates/tag/atm-service-provider), [ATM placement program](https://news.cdlatm.com/news-and-updates/tag/atm-placement-program), [streamline store operations](https://news.cdlatm.com/news-and-updates/tag/streamline-store-operations), [all-in-one ATM solution](https://news.cdlatm.com/news-and-updates/tag/all-in-one-atm-solution), [convenience store ATM solutions](https://news.cdlatm.com/news-and-updates/tag/convenience-store-atm-solutions), [integrated ATM services](https://news.cdlatm.com/news-and-updates/tag/integrated-atm-services), [ATM placement for convenience stores](https://news.cdlatm.com/news-and-updates/tag/atm-placement-for-convenience-stores), [simplify store operations](https://news.cdlatm.com/news-and-updates/tag/simplify-store-operations), [ATM solutions for retailers](https://news.cdlatm.com/news-and-updates/tag/atm-solutions-for-retailers), [ATM placement services](https://news.cdlatm.com/news-and-updates/tag/atm-placement-services), [reduce operational costs retail](https://news.cdlatm.com/news-and-updates/tag/reduce-operational-costs-retail), [integrated retail services](https://news.cdlatm.com/news-and-updates/tag/integrated-retail-services) ## *Reducing dependence on external cash sources can increase operational efficiency.* This article originally appeared on [NACS Daily News](https://www.convenience.org/stay-current/news/2026/july/9/don%E2%80%99t-sweat-the-small-bills?utm_term=c325838d-a775-ed11-81ab-0022482a451e&utm_campaign=NACS%20Daily%20070926&utm_medium=email&_hsenc=p2ANqtz--e0P7xVwblfkNDvVT7t7Qk4Y3EaovAjvB3uzeMoNLcbKOHA16ST-4oncLgB_b3icZpehZus6eoOJmJdObu7jdcdhydtA&_hsmi=32779921&utm_content=NACS%20Daily%20070926&utm_source=NACS%20Daily). Small bills tend to leave a store through customer transactions. According to the NACS State of the Industry Report® of 2025 data, cash was used in 25.9% of transactions but only made up 17.5% of transacted sales, indicating that customers tend to use cash for smaller transactions. “That can lead to larger denominations building up in the register while tills run short on small bills,” said Doug Marquis, chief revenue officer for Cash Depot. Retailers have to re-balance their registers’ cash with bank visits, bill orders and pickups or deliveries. “Most retailers assume this is unavoidable,” Marquis said. “But is it?” Taking cash out of the building and getting cash back in the right denominations costs time and money, according to Marquis. Retailers have direct costs like bank, courier, and cash-ordering fees. They also have labor costs, including staff time spent counting cash, reconciling, and managing vendors.  “Imagine how managers could improve customer service if they aren’t in the back dealing with cash,” Marquis said. “They certainly can’t boost a customer’s experience if they’re driving to the bank for change.” Less dependence on external cash sources also means not being limited by banking hours, he said, which can lead to more efficient operations.  [![FREE DOWNLOAD Case Study: Estepp Energy Chooses BANK IN A BOX One Complete System for Store and Customer Cash Needs!  ](https://no-cache.hubspot.com/cta/default/23335140/interactive-211954158346.png)](https://news.cdlatm.com/hs/cta/wi/redirect?encryptedPayload=AVxigLLxE6WqDPjsKHmeeKmYMDiXHKu79VoXcTj%2B%2FJFnwIdbHF4MyMxLu7rYun52GVtnzZVgaMjX581L5DDZMfYv89mNPsx9IAHw6lVVue1Eaef%2FuwFP%2F87emG5h0OmLd%2BhDAQTftU7mziOj%2BboyhN%2BV6kedrbenfIZMIVn7X5c9yCIWwUVvflKpmSTysQWQTBVfrXBtwzGxgeisY0k%2FhozJP45sFUGe5G4cIMQixKA0OmiK2w%3D%3D&webInteractiveContentId=211954158346&portalId=23335140) "The toll of getting cash is an industry blind spot," Marquis said. "Cash isn't actually the problem." There are many solutions that focus on cash storage, he said, but only a few focus on circulation. “The fastest way to identify an incomplete cash management solution is simple,” Marquis said. “If you still need to pick up or order bills, the system isn’t self-sustaining.” He said Cash Depot's BANK IN A BOX is what smart cash management looks like. After cash enters Cash Depot’s BANK IN A BOX, it is reused throughout the day for register funding and replenishment as well as customer withdrawals and financial transactions, Marquis said.  “Cash exits naturally through customer activity,” Marquis said. “Using BANK IN A BOX, store employees can trade large bills for the smaller bills they need, balancing register funds without calls, bank runs or couriers.” BANK IN A BOX can also help generate customer foot traffic with services such as multi-denomination ATM withdrawals, consumer deposits, bill pay, money orders, mobile top-ups and digital gift cards, Marquis said.  He added retailers shouldn’t be exploring how they manage their cash deposits. Instead, he said, they should be asking, “What is my store’s cash cycle?” “The answer reveals whether they have a complete cash management solution or simply another cash device,” Marquis said. **[![A Complete Solution For your retail store. Discover BANK IN A BOX today!  ](https://no-cache.hubspot.com/cta/default/23335140/interactive-210989855331.png)](https://news.cdlatm.com/hs/cta/wi/redirect?encryptedPayload=AVxigLLRhblbK12jsrF7M4uLOALkH1UA89PgdR316PzTjSY9r67rDsxdDB3IRiKeo%2FaEsDnv8YRif8CFeEPHG6TFNdLYqw8sNBpzQUXjMLT%2FYwDQNpyzTExGaPrr2pDu%2F4cvGp%2FM%2FVuFcItGTDjEuZnRVRjlhY1wdvEk0mGH5r3%2BckkuJ9ytsgVwjXWkGt1SdlhHt2zWdqsLXw%3D%3D&webInteractiveContentId=210989855331&portalId=23335140)** ### Related Post [![Discover the true cost of retail bank runs for convenience stores and grocery operators. Learn how labor, bank fees, and cash automation impact profitability.](https://news.cdlatm.com/hs-fs/hubfs/The-Hidden-Cost-of-Retail-Bank-RunsV2.jpg?width=352&name=The-Hidden-Cost-of-Retail-Bank-RunsV2.jpg)](https://news.cdlatm.com/news-and-updates/the-hidden-cost-of-retail-bank-runs-cash-management-for-c-stores-grocery) ##### [The Hidden Cost of Retail Bank Runs](https://news.cdlatm.com/news-and-updates/the-hidden-cost-of-retail-bank-runs-cash-management-for-c-stores-grocery) ## *Why C-Store and Grocery Operators Are Reconsidering Traditional Cash Deposits* For many convenience... [![Deposit cash to your bank account at BANK IN A BOX!](https://news.cdlatm.com/hs-fs/hubfs/deposit-cash-blog-header.jpg?width=352&name=deposit-cash-blog-header.jpg)](https://news.cdlatm.com/news-and-updates/consumer-cash-deposits-come-to-bank-in-a-box) ##### [Cash Deposits come to BANK IN A BOX, adding yet another reason for Customers to visit their favorite stores](https://news.cdlatm.com/news-and-updates/consumer-cash-deposits-come-to-bank-in-a-box) ## *Customers can now deposit cash directly into their bank account at hundreds of popular locations.* [![Now your customers can pay bills at BANK IN A BOX](https://news.cdlatm.com/hs-fs/hubfs/Now-Your-Customers-Can-Pay-Their-Bills-at-Your-BANK-IN-A-BOX-Header.png?width=352&name=Now-Your-Customers-Can-Pay-Their-Bills-at-Your-BANK-IN-A-BOX-Header.png)](https://news.cdlatm.com/news-and-updates/your-convenience-stores-can-pay-their-bills-at-your-bank-in-a-box) ##### [Now Your Customers Can Pay Their Bills at Your BANK IN A BOX](https://news.cdlatm.com/news-and-updates/your-convenience-stores-can-pay-their-bills-at-your-bank-in-a-box) ## *Customers want self-service bill payment options. Retailers want less compliance and more services...* [![Cash Depot- May 2021-1](https://news.cdlatm.com/hs-fs/hubfs/Cash%20Depot-%20May%202021-1.png?width=100&height=66&name=Cash%20Depot-%20May%202021-1.png "Cash Depot- May 2021-1")](https://www.cdlatm.com) 1740 Cofrin Drive, Suite #2 Green Bay, WI 54302 [sales@cdlatm.com](mailto:sales@cdlatm.com) [800-776-8834](tel:8007768834) [Products](https://www.cdlatm.com/atm-machines) [Programs](https://www.cdlatm.com/atm-placement-program) [BANK IN A BOX](https://www.cdlatm.com/bank-in-a-box) [FAQs](https://www.cdlatm.com/atms-frequently-asked-questions) [Privacy Policy](https://www.cdlatm.com/cash-depot-privacy-policy) [Refund Policy](https://www.cdlatm.com/cash-depot-refund-policy) [About Us](https://www.cdlatm.com/about-us) [Careers](https://www.cdlatm.com/careers) Copyright © 2023 Cash Depot, Ltd. All Rights Reserved. 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