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NAC2020 Call for Topics & Speakers!

Please provide NAC with your best ideas and suggestions for our NAC2020 Conference & Expo Educational Agenda!

Help us ensure complete coverage of all the latest challenges, opportunities and trends now present in the dynamic and evolving US ATM sector! 


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ATM Nation - We Got This (Again)

Dear NAC Members & Friends:

You know I’ve never been one to sugar coat things. This is a tough time. I’m proud of NAC for stepping up to help America’s independent retail ATM community. I’m especially proud of YOU, all our NAC members and friends – who are our true heroes – in many cases risking your own personal safety to help keep cash available for us all. I extend my deepest thanks and best wishes to you and your families, and hope you are staying safe and well during this difficult time!

For all but a few of us, the nationwide shutdown has inflicted serious financial loss and hardship. But, as we’ve seen again and again, IADs are resilient and never run away from a challenge. This is not the first time we have seen a new normal in the ATM industry. Just as we helped consumers and business owners get access to cash after 9/11, our industry is an “essential service” that once again is overcoming barriers to provide consumers with convenient, safe access to cash nationwide. 

Read the entire letter >>

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 What US ATM ISOs/IADs Need to Know & Do Now

Federal and State Information/Links for Small Business COVID-19 Financial Relief & Operating Conditions

The CARES Act (Coronavirus Aid, Relief, and Economy Security Act) was passed by Congress and signed into law by the President, as you no doubt have read/heard. The CARES Act includes the Paycheck Protection Loan Program, and other targeted relief for small businesses and individuals affected by the COVID-19 crisis.

Resources & Links HERE >>

Seven-Member Gang Apprehended and Charged in NYC or ATM Thefts Totaling over $1 Million in Cash

An 81-count state criminal indictment was recently filed in NYC against seven named co-defendants for conspiracy, grand larceny, third-degree burglary and other crimes, in a comprehensive scheme from 2017 through 2019 to steal cash from ATM operators/cash loaders in the greater NYC metro area. Two co-conspirators remain at large, while five others named in the indictment were arraigned last week.

ATM Field Personnel Confirmed as Essential Workers by Federal Reserve

The Federal Reserve has confirmed the Department of Homeland Security (DHS)'s identification of workers in the Financial Services sector as Essential Critical Infrastructure Workforce - to include Independent/Retail ATM Field Personnel.

State Rulings Govern But Most Follow Federal Guideline

ATM Field Personnel Qualify as "Essential Critical Service Workforce" Under Department of Homeland Security (DHS) Advisory

Here are the Basic Rules of Thumb:
(1) Absent specific/unique local circumstances, you should be able to lawfully access/load/service all of your ATMs located in establishments qualifying as “Essential Businesses”, permitted by state/local governments to remain open and operational notwithstanding general business closure directives. 

New COVID-19 Federal Laws to Provide Relief for ATM Companies & Small Business Owners

Over the past several weeks, NAC Staff and our Governmental Affairs team have been diligently working to stay on top of and influence developments on state and federal levels impacting and offering potential financial relief for the US Independent/Retail ATM industry in the face of the COVID-19 pandemic. As we hear from many of you, with significant concerns and issues, we have continued bringing as much influence as possible to bear upon the federal financial relief packages now being finalized. We are literally devoting all waking hours to these efforts, AND we will continue to do so on your behalf.



In an effort to assist our Members and the U.S. Independent/Retail ATM Industry during the current Coronavirus outbreak, The National ATM Council, Inc. (NAC) has assembled and prepared the following information.
Sincere thanks to Hyosung, Genmega and Triton for their timely and expert assistance in helping NAC assemble/verify this information. Please be on the lookout for additional details directly from your ATM manufacturer, distributor &/or ISO.
NAC hopes you will find this helpful in keeping as safe and secure as possible throughout the current COVID-19 health emergency. NAC HQ remains open and here for YOU during this challenging time. Please don’t hesitate to call &/or email and we will do our best to provide answers for your questions and help with any concerns/issues you may be experiencing. Please stay safe and well! Thank you for allowing NAC to be of service!
ATM Specific Coronavirus Exposure/Spread Mitigation Guidelines:
1. It is important that all ATM businesses have reasonable safety procedures in place, along with written records to prove it.




Our Third Annual NAC Industry Delegation Met Last Week with 50+ Members of the United States Congress – to Deliver a Strong and Unified Message on Behalf of ATM NATION!

ATMs Go To Washington III Participants:
NAC Member Participants:
Mike Powell, First Regents Bancservices, LLC, (Chair, 
NAC Governmental Affairs)
Debbi Haacke, TransNational ATM Corporation (Vice-Chair, 
NAC Governmental Affairs)
Bryan Bauer, Kahuna ATM Solutions
Greg Chiasson, ATM’s of the South, Inc./ASBI 
Dan Cohen, ATM Services Corporation
Patrick Conner,
Naz Conner,
Ed Cramer, ProSolv Solutions LLC
Mark Cumming, ATM Merchant Services, Inc.
James Dainis, Alaska ATM Services/Advanced ATM Systems
Andrew DeLaMare, OptConnect
Monica Diament, Partners In Tech Services/Partners In It
Jim Everton, eGlobal ATM
Maya Fuentes, Paramount Management Group, LLC
Scot Gardner, SJI ATM, Inc.
Bill Gaestel, Blue Ribbon ATM
Ron Gerstley, ATM Enterprises, Inc. 
Pat Gibbons, Lowers Risk Group
Bailey Graves, Ulman Public Policy and Federal Relations
Alan Gropack, Partners In Tech Services/Partners In It
Joel Hill, Switch Commerce
Stephen Joseph, Axis Communications
Omar Kadi, MTech Distributors
Samir Kadi, MTech Distributors
John Kelly, Cash Ready ATM
Dan Kramer, SHAZAM Network
Mike Lake, Partners In Tech Services/Partners In It
Joseph Lee, Technovation Data, Inc. (TDI)
Jim Links, The Cormac Group, Cardtronics
Jack Masand, MultiMedia ATM Network
Brad Moody, Lowers & Associates
Mike Nelson, Payment Alliance International
Bill Patterson, RFS Financial Systems
Gary Palaniuk, GMP ATM NW
Emo Pentermann, Bell ATM Service, Inc.
Amy Poole, ATM Enterprises, Inc.
Dennis Ream, Paramount Management Group, LLC
George Sarantopoulos, Access One Solutions (NAC Board of Directors Chair)
Steve Schechner,Capital ATMs USA, LLC
Larry Scott, CalTel, Inc.
Curt Selman, Selman Telecommunications Investment Group, LLC
Ralph Terrell, ATM Carolina, Inc.
Philip Webb, PDQ Merchant Services, Inc.
Ben Weiss,
Paul Willingham, Switch Commerce
Teresa Wilson, ATM’s by Wilson
Crystal Wright, Public Relations Strategist, Cardtronics
NAC Legislative Counsel:
Palmer Hamilton, Managing Partner, DC Office, Jones Walker Law Firm
George LeMaistre, Regulatory and Legislative Counsel Consultant
Jon Alexander, Monument Strategies, LLC
NAC Staff:
Bruce Renard, Executive Director
Lauren Majure, Director of Business Services
Susan Renard, Chief Operating Officer
ATMs Go To Washington III Dinner Event Sponsor:
Venco Business Solutions, John Newberry, CEO
Congressional Offices With Whom We Visited:
Senator Marsha Blackburn (TN)
Senator John Kennedy (LA)
Senator Tim Scott (SC)
(Chair, Subcommittee on Financial Institutions and Consumer Protection)
Senator David Perdue (GA)
Senator Mike Lee (UT)
Senator Mike Crapo (ID)
(Chair, Committee on Banking, Housing, and Urban Affairs)
Senator Chris Van Hollen (MD)
Senator Robert Menendez (NJ)
Senator Martha McSally (WA)
Senator Bill Cassidy (LA)
Senator Mike Rounds (SD)
Senator Jerry Moran (KS)
Senator Kyrsten Sinema (AZ)
Senator Thom Tillis (NC)
Senator Brian Schatz (HI)
Senator Sherrod Brown (OH)
(Ranking Democrat Member, Committee on Banking,    
    Housing, and Urban Affairs)
Senator Jeff Merkley (OR)
Senator Richard Shelby (AL)
Senator Doug Jones (AL)
Senator Ben Cardin (MD)
Cong. Ed Perlmutter (CO)
Cong. Anthony Gonzalez (OH)
Cong. Al Lawson (FL)
Cong. Greg Meeks (NY)
(Chair, Subcommittee on Consumer Protection and Financial Institutions)
Cong. Denny Heck (WA)
Cong. Cindy Axne (IA)
Cong. Lance Gooden (TX)
Cong. John Rose (TN)
Cong. Jim Himes (CT)
Cong. French Hill (AR)
Cong. Warren Davidson (OH)
Cong. Joyce Beatty (OH)
Cong. Ben McAdams (UT)
Cong. Patrick McHenry (NC)
(Ranking Member, Financial Services Committee)
Cong. Steve Scalise (LA)
Cong. Maxine Waters (CA)
(Chairwoman, Financial Services Committee)
Cong. Josh Gottheimer (NJ)
Cong. Barry Loudermilk (GA)
Cong. Trey Hollingworth (IN)
Cong. Bryan Steil (WI)
Cong. Peter King (NY)
Cong. John Rose (TN)
Cong. Tom Emmer (MN)
Cong. Lee Zeldin (NY)
Cong. Rob Bishop (UT)
Cong. Bill Posey (FL)
Cong. Bill Foster (IL)
Cong. Scott Tipton (CO)
Cong. Mark Wayne Mullin (OK)
Cong. David Kustoff (TN)
Cong. Sean Duffy (WI)
Cong. Vicente Gonzalez (TX)
Cong. Donald Payne (NJ)
Cong. Van Taylor (TX)
Cong. Dan Crenshaw (TX)

National ATM Council Celebrates Milestone as US ATMs Turn 50 in 2019

US-ATMs-50th-AnniversaryThe National ATM Council, Inc. (NAC) has declared 2019 "The Year of the ATM in America", fifty years after the first US ATM was installed. The landmark cash-dispensing terminal, situated on the wall of a Chemical Bank branch in Rockville Centre, New York, went live September 2nd, 1969.

Newspaper ads from Chemical read, "On Sept. 2, our bank will open at 9:00 AM and never close again!"

Based on the Petition and its supporting information, as well as other available data, Visa decided to allow consumers the option to have DCC services available at ATMs everywhere. When DCC becomes available at U.S. ATMs in April, Visa cardholders will have more choices, Visa acknowledged. The Company said it will publish additional DCC guidance in Visa Business News, where the updated rules, pricing and instructions on how to certify ATM solutions will be available to consumers, merchant acquirers and ATM deployers. Please stay tuned for further information. Read more >

NAC DCC Petition Granted

Visa Authorizes DCC at ATMs in the US and Worldwide

Effective April 13, 2019, all ATM owners and operators will be able to offer Dynamic Currency Conversion (DCC) services to their customers in the U.S. DCC is permitted today by MasterCard at U.S. ATMs and represents a meaningful revenue stream for many ATM providers. To date, Visa network rules have prohibited ATM deployers from providing DCC services, which policy was reversed by yesterday's announcement.

This decision follows a global Petition to Visa spearheaded by NAC and submitted in October 2017, requesting Visa's authorization for DCC at retail ATMs in the U.S. Visa's announcement yesterday grants the NAC Petition and expresses an intent to allow DCC at ATMs globally. We now must await the details behind Visa's global DCC implementation authorization, to become effective April 13, 2019. This will coincide with issuance of the revised Visa Rule Book.

NAC thanks Euronet Worldwide, Monex Financial Services, Planet, and CIBC, the leading DCC providers who spearheaded NAC's working group initiative that led to Visa's approval. NAC also thanks the hundreds of NAC member companies and individuals who signed the Petition and provided the grassroots support that helped secure yesterday's result. NAC likewise appreciates the consideration Visa has given to our DCC Petition and the decision to authorize this positive service for U.S. ATM consumers and deployers.

NAC's Petition to Visa garnered close to 1,000 signatures from the U.S. and abroad, including both industry participants and consumers. Along with the Petition, NAC supplied Visa with ample data showing that DCC was a "consumer friendly" service that enjoyed broad usage and significant repeat cardholder usage in jurisdictions where DCC is allowed elsewhere in the world.

Based on the Petition and its supporting information, as well as other available data, Visa decided to allow consumers the option to have DCC services available at ATMs everywhere. When DCC becomes available at U.S. ATMs in April, Visa cardholders will have more choices, Visa acknowledged. The Company said it will publish additional DCC guidance in Visa Business News, where the updated rules, pricing and instructions on how to certify ATM solutions will be available to consumers, merchant acquirers and ATM deployers. Please stay tuned for further information.

Press Release: NAC2018 Conference Reports Record Attendance - Showcases Major Breaking ATM Industry News

Las Vegas, NV, November 2, 2018 - NAC2018 featured a focused educational program with a large faculty of ATM and Payments industry experts, covering the areas of most interest to US ATM deployers. Attendees responded by filling meeting rooms to capacity, leaving hotel employees scrambling to provide more seats to accomodate standing room only audiences. Attendees, according to initial feedback, were also impressed by the number of new products exhibited on the show floor and highlighted in "flash presentation" sessions.

"It was a really vibrant and upbeat atmosphere at last week's conference, reflecting the close-knit US Independent/Retail ATM community and excellent networking that mark our annual event," said NAC Chair and Access One CEO, George Sarantopoulos. "When you bring hundreds of ATM operators, suppliers and industry experts together from across the country, the learning, networking and positive business experience that takes place is phenomenal."

Exciting new opportunities were presented at NAC2018 in the emerging BitCoin/Crypto ATM and terminal based gaming/sports betting channels, with special relevance for America's ATM ISOs/IADs. Highlighting the NAC2018 faculty were Federal Reserve of Atlanta payments experts Dave Lott and Doug King, providing insights on the state of cash in America and the regulatory viewpoint on emerging Crypto ATM products and services. Keynote remarks by US Secret Service Special Agent John Lapati highlighted the conference's ATM Security Academy III program. Professor Christopher Baynard, PhD presented the findings from his PhD team's first of its kind locational study of ATMs in America, including results on how independent/retail ATMs account for almost 60% of the terminals today in our nation, with a statistically valid number serving lower socio-economic communities across the US.

Also highlighting this year's show was recent breaking news that global network giant VISA plans to authorize provision of Dynamic Currency Conversion (DCC) for its cardholders at ATMs in the US and worldwide, effective April 13, 2019. It was noted by VISA spokespersons at the show that this policy change was reached in no small part upon the public petition and supporting data/documentation initated by NAC almost exactly one year ago during the NAC2017 Conference & Expo.

While news of the decision broke just days prior to the LAs vEgas event, NAC officials were able to coordinate to have VISA subject matter experts Goran Ribar and Hitesh Patel present at NAC2018 to deliver the implemntation/certification details. Based upon current DCC numbers associated with MasterCard DCC ATM trnasactions (already in place at US ATMs), positive impacts for US ATM deployers from the added VISA transaction volumes are expected to be significant.

Another featured piece of breaking news during NAC2018 was the announcement that top US Congressional leadership had sent correspondence to the top three federal banking regulators, seeking immediate action to stop the ongoing rash of bank account closures and nationwide blacklisting of independent/retail ATM deployer bank accounts. Notably, even with the advent of upcoming mid-term elections, this pointed and forceful correspondence was an all too rare bi-partisan communication, that was directly in line with recent virtually unanimous bi-partisan House of Representative votes to end the ill-advised Operation Choke Point initiative.

View the Letter Here

"NAC and the millions of Americans our members are privileged to serve cannot adequately express our thanks and appreciation to House Financial Institutions Submcommittee Chairman Blaine Luetkemeyer and senior House Financial Services Committee member Carolyn Maloney for their efforts in seeking immediate action from bank regulators to help end the current ATM bank account blacklisting crisis," said NAC Executive Director, Bruce Renard. "We are hopeful this step will spur necessary acction by bank regulatros an the nation's largest banks to promptly resolve this crisis."

NAC also announced next year's annual tradeshow, NAC2019 Conference & Expo, will be taking place on October 15-17th, 2019 at Planet Hollywood, Las Vegas.

 Thank You to All Who Made NAC2018 a Success!



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