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ATM Field Personnel Confirmed as Essential Workers by Federal Reserve

Updated: Jun 29, 2022

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.

Treasury Secretary Mnuchin has issued a memo stating this clearly ( CLICK HERE FOR FULL MEMO ):

  • “...includes workers who are needed to process and maintain systems for processing financial transactions and services, such as payment, clearing and settlement services, wholesale funding, insurance services, and capital markets activities; to provide consumer access to banking and lending services, including ATMs, movement of currency (e.g. armored cash carriers); support financial operations, such as those staffing data and security operations centers; and, key third party providers who deliver core services. These individuals are critical to maintaining safe and efficient financial services and ensuring citizens have access to these services that are necessary to conduct their daily lives.”

Click HERE for a specific follow-up communication from the Federal Reserve to NAC confirming that Independent/Retail ATM Field Personnel are included in the Essential Worker Designation as per the Treasury Memo/DHS Guidance.

NAC recommends printing out the above linked materials – and keeping copies of both documents in each of your field vehicles where only essential businesses are operational/ stay-at-home orders are in place . If you have questions or need additional information, please do not hesitate to call NAC on: (904) 683-6533 or email us at:  – and we’ll be glad to assist!

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. 

(2) If your ATMs are located in business locations that are “Non-Essential” and therefore are closed, those ATMs are effectively “out of business” too.  In such cases, you should consider visiting the locations (using appropriate safety precautions) for the purpose of removing your vault cash while the locations remain closed.

Federal Guideline:

You can print out and keep a copy in your vehicle(s) – for presentation as needed of this one-pager with this explicit language on DHS letterhead excerpted from the full DHS document - Here’s a LINK.

Specifically, the Department of Homeland Security CISA’s Guidance on the Essential Critical Infrastructure Workforce in the Section titled Financial Services, expressly includes : 

“Workers who are needed to provide consumer access to banking and lending services, including ATMs, and to move currency and payments (e.g., armored cash carriers).”

Here also is a link to the full Guidance document from the ECIW at DHS:

State Guidelines:

While the DHS designations offer instructive guidance, and will be followed in most instances, it is up to the applicable state/local “Executive Orders” to ultimately dictate the details of which businesses/workers are deemed “Essential” and thus may continue field operations in areas otherwise mandated for business closures/restrictions during the COVID-19 crisis .

Along with this federal-issued information, please use the following links for specific State requirements/actions regarding shelter in place / business closures / essential business qualifications and other key State COVID-19 developments:

  • States and Cities Stay at Home Pronouncements (General Login may be required but no subscription):

  • Ntl. Govs. Assoc. – COVID-19 related state actions:

  • Ntl. Conf. of State Legislatures – COVID-19 related state legislation:

If you have questions or need additional information on your specific state(s)’ requirements regarding “Essential/Critical” businesses or other COVID-19 ATM-related matters, please do not hesitate to call NAC on: (904) 683-6533 or email us at: – and we’ll be glad to assist!



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