Cardtronics

Financial Services70% confidence

Cardtronics is a global ATM operator and financial technology company that deploys, owns, and services automated teller machines and surcharge-free ATM networks for banks, retailers, and independent locations.

Atlanta, GA
cardtronics.com
Owned by NCR Atleos Corporation

About Cardtronics

Cardtronics is a large ATM and financial self‑service operator that manages extensive fleets of cash machines in retail stores, pharmacies, convenience stores, and other high‑traffic locations. Through its own and partner brands (such as the Allpoint surcharge‑free network), it provides access to cash and basic banking services for customers of many different financial institutions without those institutions needing to operate their own ATMs in each location. Cardtronics is now part of NCR Atleos, which focuses on ATM and self‑service banking infrastructure globally.([en.wikipedia.org](https://en.wikipedia.org/wiki/Cardtronics?utm_source=openai))

A charge with a descriptor like “CT TELER, MONROVIA, CA” is likely tied to an ATM transaction processed and settled by Cardtronics at or near a location in Monrovia, California. This can represent a cash withdrawal, a balance inquiry fee, a surcharge from using an out‑of‑network ATM, or a small test or adjustment transaction associated with an ATM operation. Often, your own bank or credit union’s statement will show Cardtronics (or an abbreviation like CT) when the ATM hardware or transaction routing is managed by Cardtronics rather than directly by your bank, even if the ATM is branded with a retailer’s or bank’s logo.

If you’re unsure about this charge, first check your recent ATM withdrawals or balance inquiries around the date of the transaction, including ones made at convenience stores, pharmacies, gas stations, or independent ATMs. Compare the date, time, and amount to your own records and receipts. You can also log in to your online or mobile banking portal to view more detailed transaction information; many institutions list the terminal ID or location there. If you still don’t recognize it, contact your bank or card issuer using the number on the back of your card and ask them to confirm whether it is an ATM transaction routed through Cardtronics and to initiate a dispute or fraud investigation if needed. For complex issues, your bank may in turn liaise with Cardtronics/NCR Atleos as the ATM operator on your behalf.

Bank Statement Variations

2 known variations

These are the raw merchant codes that appear on bank and credit card statements that we've identified as belonging to Cardtronics.

  1. CT TELER, MONROVIA, CA
  2. Ct Teler Monrovia, Ca

Frequently Asked Questions

Why do I see a charge from Cardtronics or “CT TELER” on my statement?

This usually indicates an ATM transaction—such as a cash withdrawal, balance inquiry, or ATM fee—processed by Cardtronics at a machine it operates, even if the ATM is branded with a retailer or a bank. The “Monrovia, CA” portion refers to the ATM’s physical location or settlement location.

Could a Cardtronics ATM fee appear as a separate small charge?

Yes. Some banks show the ATM operator surcharge (for example, a few dollars) as a separate line item from the withdrawal amount, while others include it in a single combined transaction. If you see a small charge near the time of a cash withdrawal at a non‑network ATM, it may be the Cardtronics operator fee.

How can I confirm which specific ATM a Cardtronics charge came from?

Log in to your bank or card issuer’s online or mobile banking and open the transaction details. Often you’ll see additional information such as a terminal ID, street address, or store name tied to the ATM. Your bank’s customer service can also look up the exact ATM location using the transaction ID and date.

Does Cardtronics offer refunds for ATM fees if I was charged in error?

Refunds for ATM fees are typically handled through your bank or card issuer. If you believe you were charged an incorrect fee at a Cardtronics ATM, contact your bank, provide the date, time, and amount, and they can request a reversal from the ATM operator if the fee was improper.

Can a Cardtronics ATM transaction appear even if I used an ATM inside a bank branch or retail store?

Yes. Many banks and retailers outsource the operation of their on‑site ATMs to Cardtronics. In these cases, your receipt or the ATM branding may show the bank or store name, but your statement may reference Cardtronics, CT, or a similar abbreviation as the merchant.

What should I do if I don’t recognize a Cardtronics/CT TELER charge at all?

First, verify that no one in your household used an ATM in that time frame. If the transaction still looks unfamiliar, immediately contact your bank or card issuer using the number on the back of your card to report it as potentially unauthorized. They can block your card, issue a replacement, and start a dispute or fraud investigation involving the ATM operator.

Can Cardtronics place temporary holds on my account?

For ATM cash withdrawals, the full amount is typically debited rather than held. However, there can be short‑term pending entries while the transaction settles. If a pending Cardtronics/ATM entry remains for more than a few business days or posts for an incorrect amount, contact your bank so they can research it with the ATM network.

This merchant is in the Financial Services category

Browse all

Related Merchants

Spotto
Circumtec
Live Payments
CabFare
JIM.com

Compare Cardtronics

vsSpottovsCircumtecvsLive Payments

Got more mystery charges?

Paste your bank statement codes and we'll tell you exactly who charged you.

Find out who charged you