UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549

                                   FORM 10-QSB

[ X ] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES
EXCHANGE ACT OF 1934

                For the quarterly period ended September 30, 2006

[ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE
ACT OF 1934
               For the transition period from ________ to ________
                          Commission file # 333-103647

                                ATM FINANCIAL CORP.
             (Exact Name of Registrant as Specified in its Charter)

                     NEVADA                              98-0393197
           (State or other jurisdiction               (I.R.S. Employer
            of incorporation or organization)          Identification number)

           2533 NORTH CARSON STREET
             CARSON CITY, NEVADA                            89706
       (Address of principal executive offices)          (Zip Code)

                    Issuer's telephone number: (775) 841-7018

           Securities registered under Section 12(b) of the Act: NONE

     Securities registered pursuant to Section 12(g) of the Act:
                        COMMON STOCK, $0.0001 PAR VALUE

Check  whether  the Issuer (1) filed all reports required to be filed by Section
13  or  15(d) of the Exchange Act during the past 12 months (or for such shorter
period  that  the  Issuer  was  required to file such reports), and (2) has been
subject  to  such  filing  requirements  for  the past 90 days. Yes [ x ] No [ ]

Indicate by check mark whether the registrant is a shell company (as defined in
Rule 12b-2 of the Exchange Act). Yes [ ] No [X]

There were 5,730,700 shares of Common Stock outstanding at September 30, 2006.

Transitional  Small  Business  Disclosure  Format  (Check  one):  Yes [ ] No [X]

<PAGE>

                         PART I -- FINANCIAL INFORMATION

ITEM 1.     FINANCIAL STATEMENTS

<TABLE>
ATM FINANCIAL CORP.
(A Development Stage Company)

BALANCE SHEETS
(Unaudited)
(Stated in U.S. Dollars)

-----------------------------------------------------------------------------------------------
                                                                   SEPTEMBER 30     DECEMBER 31
                                                                           2006            2005
-----------------------------------------------------------------------------------------------
<S>                                                                <C>              <C>
ASSETS

Current Liabilities
     Cash                                                          $ 102,420        $  117,883
     Equipment                                                         3,416                 -
     Prepaid Expenses                                                    600                60
-----------------------------------------------------------------------------------------------

Total Current Assets                                                 106,436           117,943
-----------------------------------------------------------------------------------------------

Deposits                                                                   -             2,999
-----------------------------------------------------------------------------------------------

Total Assets                                                         106,436           120,942
===============================================================================================

LIABILITIES

Current Liabilities
     Accounts payable and accrued liabilities                      $  26,144        $   25,685
-----------------------------------------------------------------------------------------------

Total Current Liabilities                                             26,144            25,685
-----------------------------------------------------------------------------------------------

Total Liabilities                                                     26,144            25,685
-----------------------------------------------------------------------------------------------

STOCKHOLDERS' DEFICIENCY

Common Stock

     Authorized:
          100,000,000 common shares, par value $0.0001 per share
     Issued and outstanding:
          5,730,700 common shares                                        573               573
          (December 31, 2005 - 5,730,700)

Additional Paid-In Capital                                           172,897           172,897

(Deficit) Accumulated During the Development Stage                   (93,178)          (78,213)
-----------------------------------------------------------------------------------------------

Total Stockholders' Equity (Deficit)                                  80,292            95,257
-----------------------------------------------------------------------------------------------

Total Liabilities and Stockholders' Deficiency                     $ 106,436        $  120,942
===============================================================================================
</TABLE>
The  accompanying  notes  are  an  integral  part of these financial statements.

<PAGE>

<TABLE>
ATM FINANCIAL CORP.
(A Development Stage Company)

STATEMENT OF STOCKHOLDERS DEFICIENCY
(Unaudited)
(Stated in U.S. Dollars)

------------------------------------------------------------------------------------------------------
                                                                                               DEFICIT
                                                                          ACCUMULATED            TOTAL
                                                             ADDITIONAL        DURING    STOCKHOLDERS'
                                            COMMON STOCK        PAID-IN   DEVELOPMENT           EQUITY
                                          SHARES   AMOUNT       CAPITAL         STAGE     (DEFICIENCY)
------------------------------------------------------------------------------------------------------
<S>                                    <C>        <C>        <C>          <C>            <C>

December 18, 2002 - Shares issued for
cash at $0.0001 per share              4,000,000  $   400    $        -   $         -    $        400

Comprehensive Loss:
    Net Loss for the Period                    -        -             -       (21,990)        (21,990)
-----------------------------------------------------------------------------------------------------

Balance, December 31, 2002             4,000,000      400             -       (21,990)        (21,590)
-----------------------------------------------------------------------------------------------------

Comprehensive Loss:
    Net Loss for the Period                    -        -             -       (24,216)        (24,216)
-----------------------------------------------------------------------------------------------------

Balance, December 31, 2003             4,000,000      400             -       (46,206)        (45,806)
-----------------------------------------------------------------------------------------------------

Comprehensive Loss:
    Net Loss for the Period                    -        -             -       (13,398)        (13,398)
-----------------------------------------------------------------------------------------------------

Balance, December 31, 2004             4,000,000      400             -       (59,604)        (59,204)
-----------------------------------------------------------------------------------------------------

February 14, 2005 - shares issued
for cash at $0.10 per share            1,730,700  $   173    $  172,897   $         -    $    173,070

Comprehensive Loss:
    Net Loss for the Period                    -        -             -       (18,609)        (18,609)
-----------------------------------------------------------------------------------------------------

Balance, December 31, 2005             5,730,700      573       172,897       (78,213)         95,257
-----------------------------------------------------------------------------------------------------

Comprehensive Loss:
    Net Loss for the Period                    -        -             -       (14,965)        (14,965)
-----------------------------------------------------------------------------------------------------

Balance, September 30, 2006            5,730,700      573       172,897       (93,178)         80,292
=====================================================================================================
</TABLE>
The accompanying notes are an integral part of  these financial statements.

<PAGE>

<TABLE>
ATM FINANCIAL CORP.
(A Development Stage Company)

STATEMENT OF OPERATIONS
(Unaudited)
(Stated in U.S. Dollars)

-----------------------------------------------------------------------------------------------------------------------------
                                                                                                                   CUMULATIVE
                                                                                                                  PERIOD FROM
                                                                                                                    INCEPTION
                                                                                                                  DECEMBER 18
                                                            THREE MONTHS ENDED              NINE MONTHS END           2002 TO
                                                                SEPTEMBER 30                 SEPTEMBER 30        SEPTEMBER 30
                                                            2006         2005             2006          2005             2006
-----------------------------------------------------------------------------------------------------------------------------
<S>                                                   <C>          <C>              <C>           <C>            <C>
Expenses
     Bank and financing charges                       $       64   $       25       $      229    $      309     $     2,283
     Consulting                                                -            -            1,821             -          21,821
     License payment                                           -            -                -             -           1,000
     Listing and filing fees                                 826            -              826             -           6,501
     Office and sundry                                       (45)       2,378            2,807         5,221          11,517
     Professional fees                                       875          372            9,036         9,198          34,979
     Regulatory fees                                           -            -              196             -             196
     Rent                                                      -            -                -         5,700          25,650
     Transfer and filing fees                                  -            -               50         2,440           2,490
-----------------------------------------------------------------------------------------------------------------------------

Loss Before Other Income                                   1,720        2,775           14,965        22,868         106,437
-----------------------------------------------------------------------------------------------------------------------------

Other Income (Loss)
     Gain on debt settlement                                   -            -                -        10,665          14,176
     Interest                                                  -            -                -          (121)           (917)
-----------------------------------------------------------------------------------------------------------------------------

Total Other Income (Loss)                                      -            -                -        10,544          13,259
-----------------------------------------------------------------------------------------------------------------------------

Net Income (Loss) For The Period                      $   (1,720)  $   (2,775)      $  (14,965)   $  (12,324)    $   (93,178)
=============================================================================================================================

Basic And Diluted Loss Per Share                      $     0.00   $     0.00       $     0.00    $     0.00
=============================================================================================================================

Weighted Average Number of Common Shares Outstanding   5,730,700    5,730,700        5,730,700     4,936,539
=============================================================================================================================
</TABLE>
The  accompanying  notes  are  an  integral  part of these financial statements.


<PAGE>

<TABLE>
ATM FINANCIAL CORP.
(A Development Stage Company)

STATEMENT OF CASH FLOWS
(Unaudited)
(Stated in U.S. Dollars)

----------------------------------------------------------------------------------------------------------
                                                                                               PERIOD FROM
                                                                                                 INCEPTION
                                                                                               DECEMBER 18
                                                                        NINE MONTHS ENDED          2002 TO
                                                                           SEPTEMBER 30       SEPTEMBER 30
                                                                         2006         2005            2006
----------------------------------------------------------------------------------------------------------
<S>                                                                 <C>          <C>          <C>
CASH FLOWS FROM (USED IN) OPERATING ACTIVITIES
  Loss for the period                                               $ (14,965)   $ (12,324)   $   (93,178)

Adjustments to reconcile loss to net cash used in
operating activities:
  Gain on debt settlement                                                   -       10,665         14,176

Changes in other assets and liabilities:
  - (increase) in prepaid expenses                                       (540)           -           (600)
  - decrease in deposits on equipment                                   2,999            -              -
  - increase (decrease) in accounts payable and accrued liabilities       459      (44,425)        11,968
----------------------------------------------------------------------------------------------------------

Net Cash used in Operating Activities                                 (12,047)     (45,994)       (67,634)
----------------------------------------------------------------------------------------------------------

Financing Activities
     Common stock issued                                                    -      173,070        173,470
     Notes payable to related parties                                       -            -              -
----------------------------------------------------------------------------------------------------------

Net Cash from Financing Activities                                          -      173,070        173,470
----------------------------------------------------------------------------------------------------------

Investing Activities
     Purchase of equipment                                             (3,416)           -         (3,416)
----------------------------------------------------------------------------------------------------------

Net Increase in Cash                                                  (15,463)     127,076        102,420

Cash, Beginning of Period                                             117,883           42              -
----------------------------------------------------------------------------------------------------------

Cash, End of Period                                                 $ 102,420    $ 127,118    $   102,420
==========================================================================================================

Supplemental Cash Flow Information
     Interest paid                                                          -            -              -
     Income taxes                                                           -            -              -
==========================================================================================================
</TABLE>
The  accompanying  notes  are  an  integral  part of these financial statements.
<PAGE>

                               ATM FINANCIAL CORP.
                          (A Development Stage Company)

                          NOTES TO FINANCIAL STATEMENTS

                                SEPTEMBER 30, 2006
                                   (Unaudited)
                            (Stated in U.S. Dollars)

1.     NATURE OF OPERATIONS

a)     Organization

The Company was incorporated in the state of Nevada, U.S.A., on December 18,
2002.

b)     Development Stage Activities

The Company has been in the development stage since its formation and has not
yet realized any revenues from its planned operations.  It is primarily engaged
in the development of gateway services to automated teller machines owned by
independent system operators outside the financial services industry.  The
Company has secured the rights to a license to provide these services and is
seeking contracts with operators to provide gateway services for their machines.

c)     Going Concern

The accompanying financial statements have been prepared assuming the Company
will continue as a going concern.

As shown in the accompanying financial statements, the Company has incurred a
net loss of $93,178 for the period from inception, December 18, 2002, to
September 30, 2006, and has no sales. The future of the Company is dependent
upon its ability to obtain financing and upon future profitable operations from
the development of its gateway services. Management has plans to seek additional
capital through a public offering of its common stock.  The financial statements
do not include any adjustments relating to the recoverability and classification
of recorded assets, or the amounts of and classification of liabilities that
might be necessary in the event the Company cannot continue in existence.

2.     SIGNIFICANT  ACCOUNTING  POLICIES

The financial statements of the Company have been prepared in accordance with
generally accepted accounting principles in the United States of America.
Because a precise determination of many assets and liabilities is dependent upon
future events, the preparation of financial statements for a period necessarily
involves the use of estimates which have been made using careful judgment.

The financial statements have, in management's opinion, been properly prepared
within reasonable limits of materiality and within the framework of the
significant accounting policies summarized below:

a)     Development  Stage  Company

The Company is a development stage company as defined in the Statements of
Financial Accounting Standards No. 7.  The Company is devoting substantially all
of its present efforts to establish a new business and none of its planned
principal operations have commenced.  All losses accumulated since inception
have been considered as part of the Company's development stage activities.

b)     Use  of  Estimates

The preparation of financial statements in conformity with generally accepted
accounting principles requires management to make estimates and assumptions that
affect the reported amounts of assets and liabilities, and disclosure of
contingent assets and liabilities at the date of the financial statements, and
the reported amounts of revenues and expenses for the reporting period.  Actual
results could differ from these estimates.

<PAGE>

                               ATM FINANCIAL CORP.
                          (A Development Stage Company)

                          NOTES TO FINANCIAL STATEMENTS

                               SEPTEMBER 30, 2006
                                   (Unaudited)
                            (Stated in U.S. Dollars)

2.     SIGNIFICANT ACCOUNTING POLICIES (Continued)

c)     Financial Instruments

The Company's financial instruments consist of cash, accounts payable and
accrued liabilities, and notes payable to related parties.

Unless otherwise noted, it is management's opinion that this Company is not
exposed to significant interest or credit risks arising from these financial
instruments.  The fair value of these financial instruments approximate their
carrying values, unless otherwise noted.

d)     Foreign Currency Translation

The  Company maintains  its  accounting  records  in U.S. Dollars,  as  follows:

At the transaction date, each asset, liability, revenue and expense is
translated into U.S. dollars by the use of the exchange rate in effect at that
date.  At the period end, monetary assets and liabilities are remeasured by
using the exchange rate in effect at that date.  The resulting foreign exchange
gains and losses are included in operations.

e)     Equipment

Depreciation is based on the estimated useful lives of the assets and is
computed using the straight-line method.  Equipment is recorded at cost and
depreciation is provided over the useful lives of 5 years.  During the period
the Company did not record any depreciation on the equipment since the equipment
is not yet in use.

f)     Comprehensive  Loss

The Company has adopted Statement of Financial Accounting Standards No. 130
(SFAS 130), Reporting Comprehensive Income, which establishes standards for
reporting and display of comprehensive income, its components and accumulated
balances.  The Company is disclosing this information on its Statements of
Stockholders' Deficiency.  Comprehensive loss comprises equity except those
resulting from investments by owners and distributions to owners.

g)     Income Taxes

     The Company has adopted Statement of Financial Accounting Standards No. 109
(SFAS 109), Accounting for Income Taxes, which requires the Company to recognize
deferred tax liabilities and assets for the expected future tax consequences of
events that have been recognized in the Company's financial statements or tax
returns using the liability method.  Under this method, deferred tax liabilities
and  assets  are determined based on the temporary differences between the
financial  statement and tax bases of assets and liabilities using enacted tax
rates in effect in the years in which the differences are expected to reverse.

<PAGE>

                               ATM FINANCIAL CORP.
                          (A Development Stage Company)

                          NOTES TO FINANCIAL STATEMENTS

                                SEPTEMBER 30, 2006
                                   (Unaudited)
                            (Stated in U.S. Dollars)

2.     SIGNIFICANT ACCOUNTING POLICIES (Continued)

h)     Stock Based Compensation

     The Company has adopted the disclosure-only provisions of Statement of
Financial Accounting Standards No. 123 (SFAS 123), Accounting for Stock-based
Compensation.  SFAS 123 encourages, but does not require, companies to adopt a
fair value based method for determining expense related to stock-based
compensation.  The Company accounts for stock-based compensation issued to
employees and directors using the intrinsic value method as prescribed under
Accounting  Principles Board Opinion No. 25, Accounting for Stock Issued to
Employees and related interpretations.

     The Company did not grant any stock options during the period.

i)     Loss Per Share

     Loss per share is computed using the weighted average number of shares
outstanding during the period. The Company has adopted SFAS No. 128, "Earnings
Per Share".  Diluted loss per share is equivalent to basic loss per share.

j)     New Accounting Standards

     Management does not believe that any recently issued, but not yet effective
accounting  standards, if currently adopted, could have a material effect on the
accompanying  financial  statements.

3.     RELATED PARTY TRANSACTIONS

a)     Rent in the amount of $Nil (2005 - $5,700) was charged by a director of
       the Company.

b)     Also included in accounts payable and accrued liabilities is $25,685
       (2005 - $917) to a director of the Company or a company controlled by a
       director.


<PAGE>

ITEM 2.     MANAGEMENT'S DISCUSSION AND ANALYSIS OR PLAN OF OPERATIONS

Financial Condition, Liquidity and Capital Resources

We were incorporated on December 18, 2002, for the purpose of providing access
to the Canadian Interac shared cash dispensing network for those operators of
automated teller machines, also known as ATMs, who are not affiliated with any
financial institution.  We also intend to own and operate ATMs that are placed
in high traffic publicly and privately held locations.

Our capital has been obtained via issuance of common stock and shareholder
loans.  On February 14, 2005, the Securities and Exchange Commission declared
effective our Form SB-2 Registration Statement (Commission File No.  333-103647)
concerning our initial public offering of 2,000,000 voting shares of our Common
Stock at an offering price of $0.10 per share.  The offering commenced on
February 17, 2005 and was terminated on May 15, 2005.  We sold a total of
1,730,700 shares of our Common Stock at an offering price of $0.10 per share,
for gross proceeds of $173,070.

As of September 30, 2006, our total assets were $106,436, comprised of $102,420
in cash, $3,416 in equipment, and $600 in prepaid expenses.  During the period,
we experienced a net decrease of $15,463 in cash reserves from $117,883 on
December 31, 2005. This decrease was primarily the result of office expenses,
consulting and professional fees.  We earned no revenue during the period.

Our total liabilities as of September 30, 2006, were $26,144, a nominal increase
of $459 from December 31, 2005.

As of September 30, 2006, we had an accumulated deficit of $93,178 compared with
an accumulated deficit of $78,213 as of December 31, 2005.

We presently have sufficient working capital to satisfy our cash requirements
for the next 12 months of operations.

RESULTS OF OPERATIONS.

We posted a net loss of $14,965 for the nine month period ended September 30,
2006, which was primarily the result of office expenses, consulting and
professional fees.


ITEM 3.    CONTROLS AND PROCEDURES

As required by Rule 13a-15 under the Securities Exchange Act of 1934, as of the
end of the period covered by this quarterly report, being September 30, 2006, we
have carried out an evaluation of the effectiveness of the design and operation
of our company's disclosure controls and procedures. This evaluation was carried
out under the supervision and with the participation of our company's
management, including our company's president. Based upon that evaluation, our
company's president concluded that our company's disclosure controls and
procedures are effective as at the end of the period covered by this report.
There have been no significant changes in our internal controls over financial
reporting that occurred during our most recent fiscal quarter that have
materially affected, or are reasonably likely to materially affect our internal
controls over financial reporting.

Disclosure controls and procedures and other procedures that are designed to
ensure that information required to be disclosed in our reports filed or
submitted under the Securities Exchange Act of 1934 is recorded, processed,
summarized and reported, within the time period specified in the Securities and
Exchange Commission's rules and forms. Disclosure controls and procedures
include, without limitation, controls and procedures designed to ensure that
information required to be disclosed in our reports filed under the Securities
Exchange Act of 1934 is accumulated and communicated to management, including
our president and secretary as appropriate, to allow timely decisions regarding
required disclosure.


PART II.     OTHER INFORMATION

ITEM 1.     LEGAL PROCEEDINGS

We are not a party to any material legal proceedings and to our knowledge, no
such proceedings are threatened or contemplated.


ITEM 2.     CHANGES IN SECURITIES AND USE OF PROCEEDS

Our common stock is quoted on the NASD OTC bulletin board under the trading
symbol, AFIC.

As of September 30, 2006, there were 79 owners of record of our common stock.
<PAGE>

USE OF PROCEEDS FROM REGISTERED SECURITIES

On March 7, 2003, we filed a Registration Statement on Form SB-2 with the
Securities and Exchange Commission in respect of an initial public offering of
2,000,000 shares our voting common stock at an offering price of $0.10 per
share. On February 14, 2005, the Securities and Exchange Commission declared our
Registration Statement (Commission File No. 333-103647) effective.

Our offering commenced on February 17, 2005, and terminated on May 15, 2005. We
have thus far sold a total of 1,730,700 shares through the offering at a price
of $0.10 per share, resulting in gross proceeds of $173,070.

The following table sets out the calculation of net proceeds from our public
offering during the period from February 14, 2005, the effective date of our
Form SB-2 Registration Statement, until September 30, 2006:

<TABLE>
                                                                                Amount ($)
                                                                               -----------
<S>                                                                            <C>
Gross offering proceeds as of September 30, 2006                                   173,070

Offering expenses incurred from February 14, 2005 to September 30, 2006 (1)         25,913
                                                                               -----------

Net offering proceeds as of September 30, 2006                                     147,157

Use of Proceeds:

  Debt Repayment (2)                                                                16,435

  Office Expense & Supplies                                                          8,618
  General Expenses (3)                                                              19,150
                                                                               -----------

Total Use of Proceeds as of September 30, 2006:                                     44,203
                                                                               ===========
<FN>

(1) Offering Expenses exceeded our estimate of $20,000 due to unanticipated professional
fees and blue sky fees.
(2) Debt Repayment exceeded our estimate of $10,885 due to: (a) the repayment of an
interest bearing loan in the amount $3,000 from a director, the proceeds of which were
used to prepay for an ATM; and (b) accrued interest.
(3) General Expenses exceeded out estimate of $3,145 due to insufficient revenue to
offset audit expenses and fees associated with becoming quoted on the OTC Bulletin Board.

</TABLE>

DIVIDEND POLICY

Our Board of Directors may declare and pay dividends on outstanding shares of
common stock out of funds legally available therefor in our sole discretion;
however, to date no dividends have been paid on common stock and we do not
anticipate the payment of dividends in the foreseeable future.


ITEM 3.     DEFAULT UPON SENIOR NOTES

Not applicable.


ITEM 4.     SUBMISSION OF MATTERS TO A VOTE OF SECURITY HOLDERS

None.


<PAGE>

ITEM 5.     OTHER INFORMATION

None.


ITEM 6.    EXHIBITS

EXHIBIT     DESCRIPTION

31.1        Certification Pursuant to Section 302

32.1        Certifications Pursuant to 18 U.S.C. Section 1350, as Adopted
            Pursuant to Section 906 of the Sarbanes-Oxley Act Of 2002


SIGNATURES

In accordance with the requirements of the Exchange Act, the registrant caused
this report to be signed on its behalf by the undersigned, thereunto duly
authorized.

                                 ATM Financial Corp.



Date: November 8, 2006           /s/ Arthur Davis
                                 Arthur Davis
                                 President & Chief Financial Officer