Attention A T users. To access the menus on this page please perform the following steps. 1. Please switch auto forms mode to off. 2. Hit enter to expand a main menu option (Health, Benefits, etc). 3. To enter and activate the submenu links, hit the down arrow. You will now be able to tab or arrow up or down through the submenu options to access/activate the submenu links.



Quick Links

Veterans Crisis Line Badge
My healthevet badge
EBenefits Badge

MIRECC/CoE VA Advanced Fellowship in Mental Illness Research and Treatment

MIRECC/CoE Educational Products

National Mental Illness Research Education Clinical Centers

MIRECC Educational Products

Detail for
Advisor-Teller Money Manager (ATM)

Return to Educational Products Menu

Product Information:

Name: Advisor-Teller Money Manager (ATM)
Description: Many individuals with mental illnesses and/or addictive disorders misuse their funds, leaving them without money for food, shelter, clothing, or healthcare. Mere assignment of a fiduciary, representative payee, or conservator is often ineffective and does not empower clients. Advisor-Teller Money Manager (ATM) involves having a money manager assist in budgeting an individualís income by having the client go to the money manager to access his/her funds. ATM has three parts: Teller Function: The money manager helps a client manage money in his/her own best interests. The client arranges for deposit of his/her income into an account that allows the money manager to monitor the account. The client makes a budget with the money manager. Clients will be strongly encouraged to arrange for checks to be written directly to creditors for housing, food, electricity, and as many other expenses as possible. Training Function: The money manager helps the client learn to budget his/her own funds. Clients will meet with the money manager at least monthly to plan a budget. They will collaboratively arrange for the dispensing of checks to pay for expenditures as well as checks to the client to spend as he/she pleases. Dispensing will involve planning for how the money will be spent so that it is not misspent. Treatment-Linked Spending: The money manager and client develop agreements whereby the client is rewarded for constructive activity and abstinence. ATM involves making voluntary treatment contracts with clients in which disbursement of discretionary funds is linked to completion of treatment goals. Clients do not have to follow their money managerís recommendations about how to manage their money if they do not want to do so. Clients do not have to adhere to the conditions of the treatment contract and can ask for their money out of the account whether or not they have agreed to the contract. The following ATM information may be downloaded directly from the VISN 1 MIRECC web pages: ATM Therapist Manual: The manual provides an overview of the ATM therapy model and includes strategies for engaging clients in ATM as well as descriptions of how to conduct the ATM therapy sessions. ATM Training Materials: The manual contains interactive exercises to make learning ATM interesting. It also contains nuts-and-bolts information about how to deliver ATM. Additional ATM materials can be found on Managing Program Accounts: The template can be downloaded and used to start a program to store client funds. ATM Film: In this 15-minute film, Drs. Marc Rosen and Robert Rosenheck speak about how ATM was developed, therapists describe how to conduct ATM, and one individual describes her experience in ATM. Assessment Instruments: The website has links to instruments to assess money mismanagement such as Structured Clinical Interview for Money Mismanagement (S.C.I.M.M.) and Client-Rated Assessment. The S.C.I.M.M. is a semi-structured clinical interview designed to rate the extent of a client's mismanagement of funds and can also be scored to rate whether he/she is incapable of managing funds. It involves an assessment of the last year's expenditures, living situations and costs, and any periods when there was not enough money for housing. The Client-Rated Assessment consists of items that address substance use, ability to meet basic needs, and spending habits.
VISN 1: New England MIRECC

Contact to order product: Marc Rosen, M.D.
Product URL:

Product Formats:

NOTE: If you want the product and it is DVD or CD then please e-mail or call the contact above to arrange delivery by US mail.

  • Manual

Language Availability:

  • English

Target Audience:

  • MH Clinicians
  • Rehab Specialist

Link to Uniform MH Services/Keywords:

  • Seriously Mentally Ill
  • Substance Use Disorders
  • Rehabilitation and Recovery

Return to Top

Return to Educational Products Menu

Questions or issues please contact

This website is for educational purposes only.  If you are looking for professional medical care, find your local VA healthcare center by using the  VA Facilities Locator & Directory.

The VA has founded a national suicide prevention hotline to ensure veterans in emotional crisis have free, 24/7 access to trained counselors. Veterans can call the Lifeline number, 1-800-273-TALK (8255), and press "1" to be routed to the Veterans Hotline; you can also visit their website for more information.

Contact the National MIRECC Education Group at with questions about the MIRECC program.

Contact with technical problems and errors on this web site.