The ATM is actually quite interesting! It turned VOTV into a "roguelite," because you take your money, convert it into "notes," deposit it in the mailbox, and take it to another save! I found it very useful, I tested it, and it worked excellently!
I'm just being pedantic, but it basically was the same thing when you took your money, convert it to MREs, and then mailbox them to another save and sell them haha. But yeah, at least the exchange rate is 1:1 now.