Straight answers on pickups, insurance, the Federal Reserve, smart safes, vaulting, ATMs, compliance and cost. Call (810) 820-8169 for anything else. A person answers.
Daily, weekly or custom schedules, matched to your cash volume. Whether you need five pickups a week at a multi-location cannabis operation or twice-weekly service at a credit union branch network, we plan service days for secure, efficient routes and set the schedule your operation needs.
Yes — CIT, deposits and orders, and Smart Safes. We handle the complete cash cycle: from picking up your deposits, processing them through our vault network, fulfilling your change orders, and delivering them back to your locations. Our routes handle significant daily cash movement across Michigan for financial institutions, restaurants, retailers, and more.
Custom denomination packaging to your specifications — from standard strap orders to specialized coin rolls. Orders are prepared in our vault and delivered on your next scheduled service day, or on an expedited basis for urgent needs. We fulfill change orders for businesses of all sizes, from single-location retailers to multi-branch credit union networks.
You call (810) 820-8169 and a person answers. Off-schedule pickups are arranged through dispatch when a crew is available and billed at the special rate in your service agreement.
Fully bonded, insured through Lloyd's of London, and compliant with all Michigan transport laws. Every shipment is covered under one of the most respected insurance programs in the global cargo industry.
Every crew member is screened by Michigan State Police and holds a concealed weapon permit. Our personnel are not minimum-wage security guards — these are vetted, armed professionals trained specifically for high-value asset transport. Background checks, drug screening, and ongoing training are standard across the entire fleet.
High-denomination loads route under elevated protocols — different vehicle assignments, alternate route timing, and additional crew briefing. Specifics intentionally not published; reviewed in person during onboarding.
Yes. All cash movement follows your preferences and corporate requirements. We make direct transfers to and from the Federal Reserve, and we service third-party vaults with documented chain-of-custody protocols.
We route deposits from your branches through our vault to the Federal Reserve. How often transfers run depends on which terminal serves you, and we set the schedule during onboarding.
Secure off-site storage and processing of currency and coin. Our vault terminals operate with zero-tolerance balancing protocols. Deposit verification, cash inventory management, change order fulfillment and secure transport between your locations and our vault, all with complete chain-of-custody documentation and transfers to the Federal Reserve.
Your branch staff stops counting, sorting, and verifying cash — freeing tellers and operations teams to focus on member-facing services. Your on-premises cash inventory drops, reducing insurance costs and security exposure. Our vault handles the heavy processing, denomination prep, and Federal Reserve connectivity, becoming a seamless extension of your branch operations across multiple locations.
Reduces risk, increases operational efficiency, and frees up your resources. Your staff stops counting cash and making bank runs. Your insurance premiums drop. Your audit trail becomes airtight. You scale your cash services without expanding your physical infrastructure — our vault network becomes an extension of your operation.
A smart safe is a secure, auditable way for high-cash-volume businesses to handle cash. It counts each note and checks it for counterfeits as it goes in, ties every deposit to the employee who made it, and reports totals in real time. Many businesses receive same-day or next-day provisional credit from their bank, which ends the daily bank run and speeds up your working capital.
Federal Armored is an authorized distributor for a variety of smart safe manufacturers. We match the model to your cash volume, your footprint and your banking relationship, with model details and pricing on request. Documented case studies show up to 75% reduction in cash processing costs and 72% labor reduction in back-office operations.
Provisional credit means your cooperating bank credits your account based on the validated deposit amount reported by the smart safe — often the same day or next business day — before the physical cash is picked up and processed. This accelerates your working capital, reduces your cash-on-hand risk, and eliminates the delay between deposit and availability. Not all banks participate, but we can help connect you with financial institutions that offer this capability.
Yes. A smart safe gives you real-time cash visibility and provisional credit, and many businesses with a smart safe reduce the number of armored pickups they need, which lowers the cost of service. Our armored crew collects the cash on your service schedule.
Full-service ATM and ITM coverage: cash replenishment, balancing, reconciliation, deposit pulls, cassette swaps, maintenance coordination and emergency dispatch. We service all machine types, including NCR, Diebold and Hyosung, across hundreds of ATM and ITM locations for credit unions, community banks and financial institutions throughout Michigan.
Professional armed security personnel who accompany ATM technicians on after-hours or high-risk service calls. When your ATM vendor needs to perform maintenance after hours in an exposed location, our armed crew provides the security presence that protects both the technician and the machine's cash inventory. Available statewide from all terminal locations.
Yes. We provide service coverage across Michigan from terminals in Flint, Grand Rapids and Traverse City. We service all machine types, including NCR, Diebold and Hyosung, across hundreds of locations for Michigan credit unions. As your ATM and ITM fleet grows, we scale our service with it.
Yes — cannabis is one of our highest-volume verticals. We service dozens of cannabis locations across Michigan, from single dispensaries to multi-location operators. Due to federal banking restrictions, cannabis businesses operate primarily in cash — making secure, compliant transport a non-negotiable operational requirement. Federal Armored provides the documented, insured cash transport that bridges the gap between dispensary operations and banking compliance.
We can hold cash in our segregated cannabis vault with full audit-ready documentation while you finalize your MRB banking relationship. We have working relationships with several Michigan credit unions and community banks that accept cannabis operators and can make introductions.
Every pickup generates a sealed-bag record with bag seal numbers, declared amounts, crew identities, pickup time, vault entry/exit logs, count reconciliation, and final transfer paperwork. The full record is delivered electronically and retained through your regulatory window — suitable for CRA inspection, banking-partner review, and FinCEN SAR support.
Yes. Every pickup generates a complete chain-of-custody record: bag seals, weights, declared amounts, crew identities, transfer times, vault entry/exit logs. Documentation is delivered electronically and retained through your regulatory window. Federal Reserve examiners and your internal audit team get a clean trail without follow-up requests.
Pricing is custom to your locations, pickup frequency and services. A 20-minute assessment produces a custom proposal within 48 hours, with a side-by-side cost comparison against your current carrier.
Call (810) 820-8169 for a no-obligation, 20-minute assessment. We compare your current costs side by side, deliver a custom proposal within 48 hours and start service in days, with no 90-day rollout.
Days, not months. No 90-day rollouts. No committee approvals. Federal Armored onboards faster than any national carrier because the decision-makers are right here in Michigan. After a 20-minute assessment, we can have a custom proposal ready within 48 hours and begin service integration immediately upon agreement.
Service agreements are tailored to your business — we work with you on terms that make sense for your operation. Our 97.57% retention rate speaks for itself: clients stay because the service delivers, not because they're locked into a contract. Contact us to discuss the options that fit your situation.
Both. We service everything from single-location retail and restaurants to franchise networks with hundreds of locations across Michigan. The same flat-rate pricing and audit-grade documentation apply at any scale.
All of Michigan. Our terminals in Flint, Grand Rapids and Traverse City work as one network to give you full-state coverage.
Terminal pages: Flint, Grand Rapids, Traverse City.
Call operations directly. No voicemail. No automation.