Abstract: An apparatus and method is disclosed for the retention of currency in the nature of coins and bills, within a transactional terminal, for replenishment of a change dispenser and future distribution in the form of change, as well as the storage in a secure safe of larger denomination bills for which credit may be applied to a financial account prier to the actual deposit of such bills at a financial institution. A system incorporating the apparatus and method may further provide for the overall management of cash receipts whereby a running balance is recorded and acted upon, for example when a change dispenser is empty, a change retention buffer is full, or the large-denomination bill vault is emptied.