An ATM machine as defined in Section 7-1-603 of the Official Code of Georgia, may be established throughout the state by any Georgia state bank or credit union. Any bank not otherwise doing a lawful banking business in this state may operate ATMs throughout this state, provided such ATMs are unstaffed and not combined with a staffed facility. The term "unstaffed" shall mean that any persons employed by a sponsoring financial institution shall not be empowered to open new accounts at the location, or, both close loans and disburse proceeds at the location. Combinations of facilities such as a loan production office, deposit production office and an ATM or cash dispensing machine are permitted subject to the limitations of Department Rule 80-1-15-.01.
Go to Lexis Nexis and search for 7-1-603 for further details.