Members increased demand for convenience and available funds have pushed many credit unions into offering Automated Teller Services. The ATM/Debit Card Module was designed to meet this rapidly growing service. CMS, Inc., Inc.'s implementation team will work with your credit union and selected off-line network insuring a successful membership service.

With the ATM/Debit Card Module, member transactions are sent daily from shared ATM networks or clearing houses. The ATM/Debit Card Module automatically receives EFT transactions, verifies totals for accuracy and then posts to the appropriate member account. Transaction fees and charges can be calculated on an individual account basis or on a member's complete account relationship. Full screen field editing permits you to adjust your program to market conditions, insuring a competitive and successful program. Additionally, the ATM/Debit Card Module can send member balance files to the network for positive control of funds available to the member. Optionally, receipts can document all transfers and non-sufficient funds transactions adding another convenience to your operation.

Benefits:

  • Single or multiple card access
  • CPU-to-CPU communication of CIF file expedites establishment of member accounts on network
  • Positive Balance File transfer enhances control of member funds
  • Automatic Overdraft Protection from Share, Club, or Loan Accounts
  • Definable parameters permit exact pricing of transaction services
  • Automatic reception, posting of all transactions
  • Automatic member notes on all NSF and overdraft transfers
  • High-speed internet access shortens transaction time
  • Concurrent reception and posting of all EFT transactions
  • User-friendly full screen editing of program parameters
  • Field sensitive help
  • Supports both positive and negative file transfers
  • Regulation E compliance

Current ATM Networks Supported:
  • NYCE Network
  • Cartel Network/ACS
  • Bay Bank
  • MAC (Philadelphia National Bank)
  • Green Machine (OLCCU)
  • Credit Union Qwikcash (TCUL)
  • Credit Union 24 (EDS)
  • The Exchange System
    Fiserve EFT System
  • Deluxe Data
  • Star Bank
  • Midwest Payment Systems
  • US Bank (Transfund)
  • Norwest
  • Intrieve
  • Illinois Credit Union League
  • PEMCO
  • Certegy

Current Debit Card Networks Supported:

  • CSG/FCS
  • PEMCO Corporation
  • Equifax
  • First Data Corp.