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NAC News & Resources


Kenneth Gilbert, President of CORD Financial Services, Joins NAC Board of Directors

Jacksonville, FL, August 24, 2017– The National ATM Council, Inc.(NAC) is pleased to announce that Kenneth Gilbert, President of CORD Financial Services, has been appointed to serve on the NAC Board of Directors.
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DOJ Announces Termination of Operation Chokepoint Initiative

The National ATM Council, Inc. (NAC) was heartened by last week's pronouncement from the Administration, and more specifically the Department of Justice (DOJ), in response to a recent letter from top Congressional leaders, that Operation Chokepoint (OCP) was a "misguided initiative" and that "All of the Department's bank investigations conducted as part of Operation Chokepoint are now over, the initiative is no longer in effect and it will not be undertaken again."
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What ATMs' Mobile Makeover Means for Independent Machines

As ATMs on large bank networks increasingly use mobile phones for account access — a trend driven in part by mobile banking — non-bank ATM operators are working to enable the same features to attract mobile-savvy cash users.
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NAC's First "ATMs Go To Washington" A Great Success!

In an unprecedented initiative for this business sector, America’s Independent ATM providers and suppliers traveled to Washington, DC last week to participate in the first ever “ATMs Go To Washington” ~ Powered by The National ATM Council, Inc. (NAC). Numerous meetings were held during the course of the week, to introduce Members of Congress and their Staffs to our Nation’s Independent ATM industry/issues.
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Morphis, Inc. Delivers Live Cash-In-Transit Tracking for Android

DALLAS, TX — Morphis, Inc., a global provider of currency supply chain automation software, has announced its latest cash-in-transit (CIT) innovation – Morphis® m•Track™ for Android. The newly released application is the most recent of the company’s ongoing efforts to develop automation technologies for the CIT industry.
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NAC Receives Award & Recognition for Contributions to U.S. Payments Forum

Jacksonville, FL, June 26, 2017 – The National ATM Council, Inc.’s Executive Director, Bruce Renard, has received an award and recognition “For Outstanding Contributions to The U.S. Payments Forum” in 2016.
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NAC - Protecting Independent ATM Industry Interests Before the Illinois Legislature

The National ATM Council, Inc. (NAC) - YOUR U.S. Retail ATM trade association - is pleased to announce that the proposed Illinois legislation to cap ATM fees at $1/transaction [HB1274] has been defeated- - avoiding major harm to Illinois' ATM companies and consumers - and preventing a devastating precedent for other states to follow.
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NJ Inspection/Sticker Bill Update

NAC has worked closely with our New Jersey NAC Members and other affected trade groups in NJ, to address a well intended but harmful proposal (A-4346) now under consideration before the New Jersey State Assembly. The bill would require: (1) daily inspections for skimming devices; (2) placement of stickers to indicate opt-in/opt-out of the daily inspection program; (3) $1,000/day non-compliance fines; and (4) reporting/registration/audits/fees (details TBD) - for all ATMs, POS devices, and gas pumps in New Jersey.
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NAC in D.C. to Address ATM Bank Account Closure Crisis

In response to a flood of communications from ATM owners/operators across the country whose bank accounts have been abruptly closed without reason - and who are now being blacklisted/blackballed from opening new bank accounts - NAC continues to devote enormous energy and resources to restoring reasonable bank account access for America's Independent ATM providers.
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National ATM Council Announces Results of 2017 U.S. Retail ATM Skimming Survey

The National ATM Council, Inc. (NAC), the nation’s leading trade association representing U.S. independent ATM providers and their suppliers, today announced the results of its second annual U.S. Retail ATM Skimming Survey.
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New ATM Bank Account Closures

NAC has been fielding calls from ATM owners/operators who have received bank account closures from a nationally known bank corporate headquarters. This is an abrupt change in policy for this bank and will result in an existential threat to independent ATM businesses and merchant operated ATMs nationwide.
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PRESS RELEASE - National ATM Council Disputes FICO Card Fraud Report

April 7, 2017; Jacksonville, FL –The National ATM Council, Inc. (“NAC”) today expressed significant question and concern regarding FICO’s recent findings on card compromises at retail ATMs in the U.S. NAC had challenged similar findings from last year’s annual FICO report, which ran directly counter to the extensive empirical evidence received by NAC from ATM operators throughout the U.S.
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Press Release - National ATM Council Announces Nautilus Hyosung America As Platinum Sponsor for NAC2017 Conference & Expo

JACKSONVILLE, FL - April 5, 2017 - The National ATM Council, Inc. ("NAC") i s honored and excited to announce that Nautilus Hyosung America, the largest manufacturer of retail ATMs deployed in the U.S., will serve as the Platinum Sponsor for this year's NAC2017 Conference and Expo "ATMs Across America", scheduled for October 10-12 th at Bally's - Las Vegas.
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Eclipse Cash Systems to Provide College Basketball Fans with Easy Access to Cash During NCAA Final Four Event

College basketball fans attending the NCAA Final Four March 31-April 3 in Phoenix won’t have to go far to obtain cash. Thanks to Eclipse Cash Systems, fans can score all the cash they need for beer, food and souvenirs at over 50 mobile ATMs strategically located throughout the stadium and the various NCAA-sponsored events taking place in the Valley of the Sun.
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NAC Represents U.S. Retail ATM Industry at AMOA 2017

NAC was honored and privileged to be invited to participate in this year's annual Amusement Expo last week in Dallas, TX, as a guest of the AMOA!
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Vending Times Highlights NAC's "Fight for the Street Operator"

Vending Times magazine is launching a deeper dive into the U.S. retail ATM sector, with this month's lead story on The National ATM Council, Inc. and its newly elected Board Officers and Directors. Pictured on the cover are NAC's new Board Chair, George Sarantopoulos, CEO/Founder of Access One Solutions and Heidi Chan, CFO of Access One, an ATM ISO based in Brooklyn, NY.
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New Jersey Legislature Proposes Law Implementing Daily Inspection & Sticker Program for All NJ ATMs

The proposed NJ law would require all ATM operators to (a) opt in/out of a statewide program that includes daily inspections of ATMs to detect/remove skimming devices; & (b) place stickers showing whether the ATM is/is not participating in the inspection program.
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Washington Alert - NAC DC Advocacy Starts Strong in 2017

Our Nation's newly installed Congress and Administration in Washington provide a rare opportunity to overcome DC gridlock and address some of the most important issues now confronting America's Independent ATM industry.
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MorphisONLINE.net Brings New Affordability to Independent ATM Owners & Operators

DALLAS, TX — Morphis, Inc., a global provider of workflow automation software designed for the ATM and currency supply chain industry, has unveiled a new cloud-based version of its highly acclaimed ATM management system. The new software, designed for smaller ATM operators, is affordable and easy to use – allowing operators to easily manage their ATMs and cash loads as efficiency as larger organizations.
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CORD Financial Services Acquires Sky Processing’s Continental U.S ATM Assets

Temple, Texas — February, 3 2017 — CORD Financial Services, a leading provider of innovative ATM solutions and products, today announced its acquisition of the ATM-related assets operated in the continental U.S. from Chicago, IL-based Sky Processing. Sky Processing will retain and continue to grow its strong ATM business in Puerto Rico.
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A Kick-Off Message from the NAC Board Chair

Dear NAC Members, Partners and Friends: This is traditionally a time to reflect on the past year as we start tackling the New Year ahead. For the Independent ATM Industry, however, 2017 will continue to be anything but traditional. Business as usual is simply not in the cards. With the major challenges of EMV implementation, changes in Washington, and the impacts of new technology upon our businesses, this is a time for America's ATM owners, operators and suppliers to step up, get together like never before, and become fully engaged in the political process.
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US ATM anti-steering case: Judge tells counsel to streamline antitrust actions

Visa and MasterCard could be sanctioned for ATM fees over EMV chips, but the judge hearing three anti-steering class actions against them told counsel that he has little appetite for “a high-priced gaggle of lawyers” needlessly protracting litigation.
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Cash Management Solutions Presents the Global Cash Report - Spring 2017

Is it time to Abolish Coins? - Radical Replenishment Strategies - ATM Cash Costs Set to Rise 50%? - The Rise and Rise of Contactless Payments
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[Press Release] NAC ADDRESSES NYC COUNCIL ON PROPOSED "NON-BANK" ATM ORDINANCE

New York, NY January 16, 2017 - The National ATM Council, Inc. ("NAC") presented compelling testimony to the Committee on Consumer Affairs of the New York City Council, at its hearing this past Thursday, on a proposed ordinance that would impose costly and burdensome new security regulations for retail ATMs throughout NYC
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[Press Release] National ATM Council Announces Newly Elected Board And Officers

JACKSONVILLE, FL, January 9, 2017 – The National ATM Council, Inc. (NAC), the nation’s leading trade association representing U.S. independent ATM providers and their suppliers, is pleased to announce election of its Board of Directors and Board Officers, effective January 1st. Ballots were cast for the incoming Board/Officers in October at the NAC2016 Conference & Expo in Orlando, FL.
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Federal Reserve Releases 2016 [Non-Cash] Payments Study

The Federal Reserve Payments Study 2016 (2016 study) is the sixth in a series of triennial studies conducted since 2001 by the Federal Reserve System to estimate aggregate trends in noncash payments in the United States. This brief contains an early look at the use of core payment systems and some new information that provides a breakdown on types of general- purpose payment card fraud. Additional detailed information will be released in 2017 as the results of further analysis become final.
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The National ATM Council, Inc. Presents Awards to Industry Professionals

The National ATM Council, Inc. (NAC) is proud to announce our 2016 awards as presented at the NAC2016 Conference & Expo in Orlando, FL.
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Free Download - KICTeam White Paper: Avoid EMV Pitfalls: Save Time and Money with Clean Card Readers

Criminals have been finding new and innovative ways to commit card fraud since Diner's Club introduced the concept in 1950. With well over 60 years of research and development, it should not be surprising to discover the traditional magnetic stripe has been thoroughly outstripped.
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U.S. Supreme Court Paves Way for Independent ATM Providers to Pursue Class Action Antitrust Litigation Against Visa and MasterCard Seeking Greater Network Competition and Lower ATM Fees for Consumers

JACKSONVILLE, FL (November 18, 2016) – Consumers in rural and low-income urban areas with less access to bank-owned ATMs came one step closer to seeing lower ATM fees yesterday, when the U.S. Supreme Court dismissed an appeal filed by VISA, MasterCard, and the big banks to block class action litigation spearheaded by The National ATM Council, Inc. (NAC) over the past five years. NAC, which filed suit in 2011 against the global networks to halt antitrust abuses, applauded this decisive action of the nation’s highest court.
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Nautilus Hyosung America and KICTeam Partnership Brings New Waffletechnology® Cleaning Cards to Hyosung ATMs

Auburn, ME – November 2, 2016 - KICTeam, Inc. and Nautilus Hyosung America (“Hyosung”) today announced a partnership for the marketing and promotion of cleaning products specially optimized for use in Nautilus Hyosung ATM and card reader devices. Hyosung is the leading manufacturer of cash dispensing, deposit automation, and branch transformation self-serve machines in the United States. KICTeam is the global leader of technical cleaning programs and products.
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The National ATM Council, Inc., Announces Issuance of Voluntary Industry Guidelines for ATM Vault Cash/Settlement Accounts

Orlando, FL, October 21, 2016 - The National ATM Council, Inc. ("NAC"), a not-for-profit national trade association representing America's independent ATM sector, today announced the release of its Industry Guidelines for ATM Vault Cash and Settlement Accounts.
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ATMEquipment Announces New White Paper - EMV & The Merchant Owned ATM: Protecting Your Business

Getting merchants to upgrade their ATMs to EMV has been frustrating for ATM deployers. As ATM owners, merchants face the same level of risk exposure at their cash dispensing machines as their POS terminals.
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Conexxus and National ATM Council Announce Issuance of Skimming Detection & Deterrence Guide for Convenience Stores ATMs

Conexxus and The National ATM Council, Inc. ("NAC") today announced issuance of their jointly developed ATM Skimming Detection & Deterrence Guide (“Guide”) for use at U.S. convenience stores. The Guide was created to help ensure that America’s convenience stores and retail ATM providers maintain their excellent track record for providing safe and secure transactions at in-store ATMs, despite a heightened near term skimming risk from current implementation of EMV at U.S. ATMs.
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VISA Notifies NAC of ATM Jackpotting Malware in the Asia-Pacific Region

Dear NAC, One of the core goals of Visa is to champion security within the ATM industry. As such, we'd like to bring to your attention a technical analysis report issued by the Payment Intelligence team at Visa relating to ATM "Jackpotting".
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Open Letter From NAC to VISA Regarding ATM Locator Service

This letter is written to VISA, in care of you, by The National ATM Council, Inc. (NAC) on behalf of our NAC members and the U.S. retail ATM community as a whole, to request that VISA immediately rescind, revoke or make optional its recently introduced Global ATM Locator Fee.
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NAC Announces NAC2016 ATM Security Academy

Real World Insights & Training: Safety & Security for U.S. Retail ATM ISOs, IADs and Merchants.
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NAC Responds to Commentary on U.S. Retail ATM Skimming Survey

It was with sincere disappointment that we read ATMIA CEO Mike Lee's recent attack on the U.S. Retail ATM Skimming Survey/survey results announced last month by NAC.
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The National ATM Council Announces Everything ATM as Gold Sponsor of the NAC2016 Conference & Expo

JACKSONVILLE, FL, July 14, 2016 - The National ATM Council, Inc. (NAC) is proud to announce Everything ATM as a Gold Sponsor of the upcoming NAC2016 Conference and Expo "ATMs Across America - A New Frontier", scheduled for October 17-20th at the Buena Vista Palace - Hilton in Walt Disney World™ Orlando, FL.
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MVR Services Announces Channel Partner Agreement with Wincor Nixdorf

Denver, CO, July 7, 2016 - MVR Services, Inc. (MVR) announced today that it has entered into a partnership agreement with Wincor Nixdorf and will now be selling new Wincor Nixdorf PC280 ATMs nationwide.
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Supreme Court to hear ATM Antitrust Appeal

June 30, 2016 - The Supreme Court yesterday agreed to hear an appeal by Visa, MasterCard and large banks that are looking to end lawsuits accusing them of fixing automatic teller machine fees.
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The National ATM Council Announces Hyosung as a Gold Sponsor

JACKSONVILLE, FL, June 30, 2016 - The National ATM Council, Inc. ("NAC") is pleased to announce Nautilus Hyosung America as a Gold Sponsor of the upcoming NAC2016 Conference and Expo "ATMs Across America - A New Frontier", scheduled for October 17-20th at the Buena Vista Palace - Hilton in Walt Disney World™ Orlando, FL.
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The National ATM Council Announces Worldpay US as a Gold Sponsor of the NAC2016 Conference and Expo

JACKSONVILLE, FL, June 29, 2016 - The National ATM Council, Inc. ("NAC") is pleased to announce that Worldpay US will be a Gold Sponsor of the upcoming NAC2016 Conference and Expo "ATMs Across America - A New Frontier", scheduled for October 17-20th at the Buena Vista Palace-Hilton in Walt Disney World ™ Orlando, FL.
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The National ATM Council Announces U.S. ATM Skimming Survey Results

JACKSONVILLE, FL, June 21, 2016 - The National ATM Council, Inc. ("NAC"), a not-for-profit national trade association representing America's independent ATM sector, has announced the results of its industry-wide U.S. Retail ATM Skimming Survey.
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ATM Skimming Hits Just a Few Machines, Finds National ATM Council Survey

There may be less ATM skimming going on than is commonly thought. Most ATMs placed in retail locations—93%—have not experienced a skimming incident, finds a survey from the National ATM Council Inc., which represents independent ATM operators.
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The National ATM Council, Inc. (NAC) Announces EFX Corp as a Silver Sponsor for the NAC2016 Conference & Expo

JACKSONVILLE, FL, June 02, 2016 - The National ATM Council, Inc. ("NAC") is pleased to announce that EFX Corp is serving as Silver Sponsor for the upcoming NAC2016 Conference and Expo "ATMs Across America - A New Frontier", scheduled October 17-20th at the Buena Vista Palace-Hilton in Walt Disney World™ Orlando, FL.
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The National ATM Council, Inc. (NAC) Announces ATMequipment.com and OptConnect As Gold Sponsors of the NAC2016 Conference & Expo

Jacksonville, FL, May 25, 2016 - The National ATM Council, Inc. is pleased to announce that ATMequipment.com and OptConnect will be serving as Gold Sponsors of the upcoming NAC2016 Conference and Expo.
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The National ATM Council, Inc. (NAC) Announces Eclipse Cash Systems As Platinum Sponsor for Its NAC2016 Conference & Expo

Jacksonville, FL, May 24, 2016 - The National ATM Council, Inc. is excited and honored to announce that Eclipse Cash Systems will serve as the Platinum Sponsor for its NAC2016 Conference and Expo "ATMs Across America - A New Frontier"
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The National ATM Council, Inc. (NAC) Announces Medal Sponsors for the NAC2016 Conference & Expo

Jacksonville, FL, May 10, 2016 - The National ATM Council, Inc. is excited to announce its top Medal Sponsors for the NAC2016 Conference & Expo. This year's annual U.S. retail ATM industry gathering is scheduled for October 17-20th at the Hilton Buena Vista Palace in Walt Disney World™ - Orlando, Florida.
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NAC Announces Brian Holloway as Keynote Speaker for NAC2016

Jacksonville, FL, May 5, 2016 - The National ATM Council, Inc. is pleased to announce the Keynote Speaker for the NAC2016 Conference & Expo.
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NAC Responds to FICO "Report" on ATM Fraud

Jacksonville, FL, April 25, 2016 - The National ATM Council, Inc. ("NAC") said today that it has serious concerns about the recently announced FICO "report" regarding card fraud at U.S. ATMs
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The National ATM Council, Inc. files for Injunction in Antitrust Law Suit Against Visa and MasterCard

Jacksonville, FL, February 24, 2016 - The National ATM Council, Inc. files for Injunction in Antitrust Law Suit Against Visa and MasterCard
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NAC Responds - ATM Fees Increase - A Letter to the WSJ Editor

Dear Mr. Berman: The October 2, 2015 article entitled "ATM Fees Increase" leaves your readers with the erroneous impression that "record ATM fees" are the result of increases in the fees charged by operators of ATMs. The real sources of such price hikes, however, are the charges that banks impose upon their cardholders when using any ATM other than that bank's own ATMs. These fees are commonly referred to as "foreign ATM fees" - and they are the root cause of the problem - both for consumers and competitive ATM owners/operators.
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ATM Operators Prepare for the EMV Liability Shift

With the POS conversion in progress, the next step is to accommodate EMV chip cards in ATMs. That will require planning, money, and expertise. With the EMV liability shift for the point of sale well under way, the next big step in the transformation of the U.S. payment industry from magnetic-stripe technology to EMV chips is less than a year away. Up next is the Oct. 1, 2016, liability shift for ATM transactions made with MasterCard Inc. branded credit and debit cards. Visa Inc.’s deadline is Oct. 1, 2017.
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Appeals Court Breathes New Life Into ATM Fee Price-Fixing Suit

More than two years after a federal court dismissed price-fixing lawsuits against Visa, MasterCard, Bank of America, JPMorgan Chase, and Wells Fargo, a federal appeals court has revived the cases that involve allegations that these banks and payment networks illegally and anticompetitively established fee levels for out-of-network ATM use.
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National ATM Council Comments on Newly Released "Comprehensive Guide for Implementing EMV Chip Technology at the ATM"

Jacksonville, FL, September 4, 2014 – The National ATM Council, Inc. (NAC) has commented on the just-released EMV Migration Forum (EMF) ATM Working Committee’s comprehensive white paper “Implementing EMV at the ATM: Requirements and Recommendations for the U.S. ATM Community”. NAC cited the white paper as a valuable information resource to help facilitate implementation of EMV chip card technology by U.S. ATM providers.
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NAC Forms EMV Working Group and Agrees to Join EMV Migration Forum

Jacksonville, FL, November 5, 2012 – The NAC Board has formed an EMV Working Group to focus on the significant issues associated with EMV implementation in the U.S.
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NAC Asks MasterCard to Delay EMV Liability Shift for Maestro Debit Cards, Align EMV Deadline with Visa

Jacksonville, FL, February 14, 2013 – The National ATM Council, Inc., a trade association representing U.S. Independent ATM providers and their suppliers, has sent a letter to MasterCard® requesting a delay in implementation of EMV chip card liability shifts for Maestro® international cards used at ATMs in the United States.
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An Open Letter to the U.S. ATM Industry

Jacksonville, FL, April 10, 2013 – EMV provides a more secure alternative to non-chip technology for mitigating counterfeit fraud transactions and has been adopted throughout most of the world as the standard for global payment cards. In September 2011, MasterCard announced that a global chip liability shift for non-U.S. issued Maestro cards would be implemented on April 19, 2013 for the U.S. ATM channel.
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2017-initiatives

  • End Operation Choke Point/Restore Bank Account Availability
  • Address EMV Implementation Problems & Timing
  • Vigorously Pursue Antitrust Litigation vs. Visa/MasterCard
  • Push for Full Disclosure of Bank Imposed "Foreign ATM Fees"
  • Continue NAC ATM Security & Safety Initiatives
  • Continue to Monitor & Address State/Local ATM Laws/Regs
  • Continue Raising Public Awareness on Imporance of Retail ATMs
  • Make Our NAC2017 Annual Conference & Expo the Best Yet!

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Save Our ATM Bank Accounts (SABA)

NAC is developing Guidelines to assist the industry, bankers, regulators and government in regards to ATM bank accounts. As part of its efforts, NAC is collecting data for ATM bank account closures. Report account closures using the SABA incident report. Download>>

All reported information received will be held in strict confidence as to company name and contact identification.

Donate to the Cause 
Any and all donations to help fund SABA are encouraged and greatly appreciated. Please send your contributions by check designated for SABA to NAC at the address below.

The National ATM Council, Inc. 
9802-12 Baymeadows Road #196 
Jacksonville, FL 32256


News-Advocacy-Spotlight

ATM Operators Win Reversal Of Dismissal Of ATM Antitrust Suit Against Visa And MasterCard

The District of Columbia Circuit Court of Appeals today reinstated a proposed antitrust class action lawsuit brought against Visa and MasterCard by the National ATM Council ("NAC") for imposing unlawful and restrictive rules that limit discounting of the access fees that ATM operators charge consumers. Read more>>