[Barb]

Where can I find information about the signs that are required to be on our ATMs? Do we need a sign for every network we can acquire?

Topic

[Anonymous]

This is from Regulation E.

Sec. 1005.16 Disclosures at automated teller machines.
(a) Definition. “Automated teller machine operator” means any person that operates an automated teller machine at which a consumer initiates an electronic fund transfer or a balance inquiry and that does not hold the account to or from which the transfer is made, or about which an inquiry is made.
(b) General. An automated teller machine operator that imposes a fee on a consumer for initiating an electronic fund transfer or a balance inquiry must provide a notice that a fee will be imposed for providing electronic fund transfer services or a balance inquiry that discloses the amount of the fee.
(c) Notice requirement. An automated teller machine operator must provide the notice required by paragraph (b) of this section either by showing it on the screen of the automated teller machine or by providing it on paper, before the consumer is committed to paying a fee.
(d) Imposition of fee. An automated teller machine operator may impose a fee on a consumer for initiating an electronic fund transfer or a balance inquiry only if:
(1) The consumer is provided the notice required under paragraph (c) of this section, and
(2) The consumer elects to continue the transaction or inquiry after receiving such notice.
Official Interpretation – (There is no Official Interpretation of this section.)

For Regulation CC, look here at §1029.19 Additional disclosure requirements.
Display of the official Member FDIC sign at automated teller machines is not required.
Also MasterCard rules require the MasterCard, Maestro, and Cirrus logos (assuming the ATM is participating in those networks.) VISA rules require the VISA logo and the Plus logo be displayed at the ATM if participating in those networks. For any other PIN based network (Shazam, NYCE, STAR, etc.) consult the network rules specific to those networks.

[jcopeland]

Good information. And if you have ATM’s that take deposits you will want to take a look at Reg. CC, 229.18(c), or 1029.18 This discusses when funds will be available from deposits accepted at on and off-site ATM’s. Examples of notices can be found in Appendix C, (C-9). If your ATM’s accept deposits. In my world we have banks that do and banks that don’t.

[Author]

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