2010 EFT DataBook

2010EFT
DATABOOK
The Complete Guide totheATM, PrepaidandPOSDebit
Markets inthe UnitedStates, Canada andEurope
atm
debit
NEWS
Volume 10 Number 42 September 24, 2009

Statistical Analysis 4
Unemployment Rates By State
States Using Debit For Unemployment
Benefit Payments
Top HSA Bank Debit Card Issuers (Assets)
Top HSA Bank Debit Card Issuers (Accounts)
15 Years of U.S. Charge Volume
Top 10 Prepaid Card Reload Locations
The Top Global POS Terminal Vendors
U.S. Visa And MasterCard Debit Totals
Non-U.S. Visa And MasterCard Debit Totals
Worldwide Visa And MasterCard Debit Totals
10 Largest Debit Card Issuers
Debit Card Issuer Chart (2008 vs. 2007)
Network Switch Fees
Network Interchange Fees-Supermarkets
Network Interchange Fees-Retail
Network Interchange Fees-Quick Service Restaurants
Network Interchange Fees-Petroleum
Global ATM Market Growth
Top U.S. Bank Owners of ATMs
Five Largest ATM ISOs
2008 Worldwide ATM Shipments
ATM Shipments In The Americas
Surcharge-Free ATM Networks (U.S. Locations)
Surcharge-Free ATM Networks (Debit Cards Accepted)
Off-Premise ATM Deployment
U.S. Mobile Device Subscribers
Top Operators of Mobile Financial Services
Market Share of Mobile Banking Providers
Income of Mobile Banking Financial Users
Major U.S. Mobile Banking Platform Providers
Largest Debt Card Issuers 14
Largest ATM Owners 19
ISO Owners 24
EFT Networks 25
Table of CONTENTS
ORDERING THE EFT DATA BOOK
The 2010 EFT Data Book is free to subscribers to ATM&Debit
News ($595 per year). Copies can be purchased for $195 from
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To Our Readers
The 2010 edition of the EFT Data Book is significantly different
from the issues of the past few years. Among the biggest
changes, ATM&Debit News has dropped most of the estimates.
As the industry has consolidated, many of the remaining players,
including most of the large EFT and point-of-sale debit networks,
have stopped making key information public, so the reliability of
estimates grows less year to year.
As a result, the EFT Data Book no longer includes a number of
charts, including those regarding PIN-debit purchases, monthly
transactions per ATM and annual PIN-based volume in the U.S.
The EFT Data Book also no longer numerically ranks EFT networks.
Instead, networks are listed in alphabetical order and include infor-
mation that could be confirmed or that the networks did provide.
The data book, however, is not withoutsome estimates.
ATM&Debit News estimated the number of ATM shipments
worldwide and in the Americas, but we also provide a clear expla-
nation of how we derived the data.
New, reliable data also was added this year, including debit card
information related to health savings accounts, prepaid card
reload locations and network switch and interchange fees. We
also have included information relevant to mobile banking, which
many experts believe eventually will help drive the mobile-pay-
ments market.
We hope these changes offer a benefit that is satisfactory to you,
our readers. Our goal is to provide data that can help you do your
job better, not to mislead you with inaccurate information.
Thank you,
Frederick H. Lowe,
Editor, ATM&Debit News
2 September 24, 2009 ATM&Debit News www.paymentssource.com
TX
NM
AZ
CA
AK
HI
LA
MS
AL
FL
GA
SC
NC
VA
AR
OK
KS
CO
UT
NV
OR
TN
KY
MO
IL
IN
OH
WV
PA
NY
ME
NJ
MD
MI
MN
IA
NE
WY
ID
MT
WA
SD
ND
WI
VT
MA
NH
CT
RI
DE
Operational (25 states)
Testing/Pilot in place (2 states)
Considering or Planning (18 states)
Decided not to use (2 States)
No plans to use (6 states)
PR
25 States Are Using Debit Cards for Unemployment Benefit Payments
Source: National Association of Workforce Development Professionals
State Rate Unemployed
ALABAMA 10.1% 215,197
ALASKA 8.3% 29,783
ARIZONA 8.7% 274,408
ARKANSAS 7.2% 98,643
CALIFORNIA 11.6% 2,154,043
COLORADO 7.6% 204,207
CONNECTICUT 7.9% 147,756
DELAWARE 8.4% 36,614
DISTRICT OF COLUMBIA 10.9% 35,665
FLORIDA 10.7% 980,130
GEORGIA 10.1% 479,621
HAWAII 7.3% 47,404
IDAHO 8.4% 62,644
ILLINOIS 10.3% 682,408
INDIANA 10.7% 343,146
IOWA 6.2% 103,544
KANSAS 7.0% 106,889
KENTUCKY 10.9% 226,509
LOUISIANA 6.8% 140,578
MAINE 8.6% 60,315
MARYLAND 7.2% 212,734
MASSACHUSETTS 8.6% 295,699
MICHIGAN 15.2% 740,026
MINNESOTA 8.4% 249,137
MISSISSIPPI 9.1% 117,425
MISSOURI 9.3% 277,954
MONTANA 6.4% 31,872
NEBRASKA 5.0% 49,177
NEVADA 11.9% 167,209
NEW HAMPSHIRE 6.8% 50,498
NEW JERSEY 9.2% 419,578
NEW MEXICO 6.8% 64,893
NEW YORK 8.7% 851,132
NORTH CAROLINA 11.0% 501,720
NORTH DAKOTA 4.2% 15,465
OHIO 11.1% 662,586
OKLAHOMA 6.4% 113,065
OREGON 12.0% 237,110
PENNSYLVANIA 8.4% 541,575
RHODE ISLAND 12.4% 70,873
SOUTH CAROLINA 12.1% 266,207
SOUTH DAKOTA 5.0% 22,505
TENNESSEE 10.8% 327,310
TEXAS 7.5% 899,785
UTAH 5.7% 78,081
VERMONT 7.3% 26,202
VIRGINIA 7.1% 297,004
WASHINGTON 9.2% 329,608
WEST VIRGINIA 9.1% 71,586
WISCONSIN 9.0% 278,371
WYOMING 5.9% 17,220
PUERTO RICO 14.5% 190,226
Unemployment Rates for States (Seasonally Adjusted, June 2009)
Source: U.S. Bureau Of Labor Statistics
0 200 400 600 800
Optum Health
Financial*
0 5 10 15 20 25 30 35
35%
12%
9%
5%
2%
2%
JPMorgan
Chase & Co.
Wells Fargo
& Co.
Citibank
PNC
BB&T
HSA Q2 2009 Assets (in millions)
HSA Bank
JPMorgan
Chase & Co.
ACS/Mellon**
Wells Fargo
& Co.
810
680
550
438
324
0 200,000 400,000 600,000
650,000
480,000
400,000
250,000
200,000
ACS/Mellon**
Optum Health
Financial*
JPMorgan
Chase & Co.
HSA Bank
Wells Fargo
& Co.
Top HSA Bank Debit Card Issuers by Accounts
Q2 2009
0 200 400 600 800
Optum Health
Financial*
0 5 10 15 20 25 30 35
35%
12%
9%
5%
2%
2%
JPMorgan
Chase & Co.
Wells Fargo
& Co.
Citibank
PNC
BB&T
HSA Q2 2009 Assets (in millions)
HSA Bank
JPMorgan
Chase & Co.
ACS/Mellon**
Wells Fargo
& Co.
810
680
550
438
324
0 200,000 400,000 600,000
650,000
480,000
400,000
250,000
200,000
ACS/Mellon**
Optum Health
Financial*
JPMorgan
Chase & Co.
HSA Bank
Wells Fargo
& Co.
Top HSA Bank Debit Card Issuers
* Optum is owned by United Healthcare.** Mellon Bank is ACSs custodian bank.
Source: ATM&Debit News
* Optum is owned by United Healthcare.
** Mellon Bank is ACSs custodian bank.
VISA MASTERCARD AMERICAN EXPRESS DISCOVER TOTAL
Volume Growth Market Volume Growth Market Volume Growth Market Volume Growth Market Volume Growth Transactions*
Share Share Share Share (billions)
2008 $824.0 2.0% 42.6% $547.0 -0.2% 28.3% $471.1 2.6% 24.4% $92.2 2.1% 4.8% $1,934.5 1.5% 26.8
2007 $808.0 3.4% 42.4% $548.0 7.7% 28.8% $459.3 12.9% 24.1% $90.3 4.5% 4.7% $1,905.6 6.2% 26.4
2006 $781.1 10.7% 43.5% $509.0 7.8% 28.4% $406.8 14.6% 22.7% $86.4 -4.3% 5.4% $1,793.7 10.9% 25.6
2005 $705.6 11.3% 43.6% $472.2 8.9% 29.2% $355.0 16.5% 21.9% $86.0 8.2% 5.3% $1,618.8 -9.8% 24.9
2004 $633.8 13.9% 43.7% $433.7 7.1% 29.9% $304.8 16.3% 21.0% $79.5 -18.8% 5.5% $1,451.8 -10.3% 22.4
2003 $556.6 n/a 42.1% $404.8 n/a 30.6% $262.1 12.0% 19.8% $97.9 0.6% 7.4% $1,321.4 n/a 21.1
2002 $609.3 2.9% 41.4% $485.7 5.6% 36.0% $234.1 4.3% 15.9% $97.3 4.3% 6.6% $1,426.4 4.7% 19.7
2001 $591.9 2.4% 43.2% $459.6 27.5% 33.6% $224.5 1.3% 16.4% $93.3 3.6% 6.8% $1,369.3 9.5% 18.4
2000 $578.0 8.0% 46.2% $360.6 18.7% 28.8% $221.7 18.9% 17.7% $90.1 27.6% 7.1% $1,250.4 14.1% 16.9
1999 $535.0 12.7% 48.8% $303.7 10.1% 27.7% $186.4 12.6% 17.0% $70.6 21.7% 6.4% $1,095.7 12.5% 14.2
1998 $474.6 9.9% 48.7% $275.8 10.9% 28.3% $165.6 10.0% 17.0% $58.0 3.6% 6.0% $974.0 9.8% 12.6
1997 $431.8 9.8% 48.7% $248.7 12.8% 28.0% $150.5 14.9% 17.0% $56.0 4.5% 6.3% $887.0 11.1% 11.5
1996 $393.1 15.4% 49.3% $220.4 11.5% 27.6% $131.0 13.7% 16.4% $53.6 12.8% 6.7% $798.1 13.9% 10.4
1995 $340.5 25.7% 48.6% $197.7 16.3% 28.2% $115.2 13.8% 16.4% $47.5 20.6% 6.8% $700.9 20.5% 9.1
1994 $270.9 26.2% 46.6% $170.0 23.5% 29.2% $101.2 12.7% 17.4% $39.4 20.1% 6.8% $581.5 22.4% 6.6
15 Years of U.S. Charge Volume
(Dollar amounts in billions)
Notes: Visa and MasterCard Worldwide volume before 2003 includes cash disbursements. Later data portray purchase volume only.
Source: Visa USA, MasterCard Worldwide, American Express Co., Discover Financial Services.
ANNUAL REVENUE (IN MILLIONS)
2009 Estimated
Vendor 2007 2008 Change Revenue***
Ingenico SA, France* $829.3 $1,011.9 28.1%** $999.6
Verifone, USA $902.9 $921.9 2.1% $822
Hypercom, USA $289.5 $437.3 51.1% $411
The Top Global POS Terminal Vendors
*Ingenico SA reported its revenue as 728 million euros for 2008 and 568 million euros for
2007. The exchange rate for U.S. dollars to euro was 1.39 on 12/31/2008 and 1.46 on
12/31/2007.**Percent change computed in reported euros.
***Estimated revenues from Thomson One Analystics. The exchange rate for
Ingenico's estimated revenues (714 euros) was calculated at 1.4.
Company Locations
InComm 150,000
NetSpend 90,000
nFinanSe 70,000
Blackhawk Network 60,000
GreenDot 50,000
MasterCard rePower 50,000
Visa ReadyLink 50,000
Western Union Financial Services 44,000
MoneyGram 40,000
Euronet ePay 36,000
Top 10 Prepaid Card Reload Locations Q2 2009
ATM&Debit News www.paymentssource.com September 24, 2009 5
VISA MASTERCARD TOTAL
2008 2007 Growth 2008 2007 Growth 2008 2007 Growth
Cards (mil) 333 295 12.9% 125 114 9.6% 458 409 12.0%
Accounts (mil) 227 197 15.2% 117 106 10.4% 344 303 13.5%
Total Transactions (mil) 23,770 21,313 11.5% 8,420 7,399 13.8% 32,190 28,712 12.1%
Per Account 105 108 -3.2% 72 70 3.1% 94 95 -1.2%
Purchase transactions (mil) 21,008 18,578 13.1% 7,458 6,484 15.0% 28,466 25,062 13.6%
Cash transactions (mil) 2,762 2,735 1.0% 962 915 5.1% 3,724 3,650 2.0%
Total Volume ($bil) $1,091 $985 10.8% $423 $374 13.1% $1,514 $1,359 11.4%
Per Account $4,806 $5,000 -3.9% $3,615 $3,528 2.5% $4,401 $4,485 -1.9%
Purchase volume ($bil) $818 $727 12.5% $309 $269 14.9% $1,127 $996 13.2%
Cash volume ($bil) $272 $259 5.4% $114 $105 8.6% $386 $364 6.0%
U.S. Visa & MasterCard Debit Totals
Notes: Visa debit programs include signature-based and Interlink (PIN) debit programs. Card counts include Plus proprietary cards. MasterCard debit
programs include MasterCard-branded signature and PIN debit, including regional network activity.
Source: Visa Inc. and MasterCard Worldwide
Cards (mil) 572 500 14.2% 97 70 38.6% 669 570 17.4%
Accounts (mil) 507 442 14.7% 90 64 40.6% 597 506 18.0%
Per Account 21 20 5.8% 37 44 -15.0% 59 64 -8.4%
Cash transactions (mil) 7,192 6,066 18.6% 1,522 1,239 22.8% 8,714 7,305 19.3%
Total Volume ($bil) $1,212 $944 28.4% $313 $252 24.2% $1,525 $1,196 27.5%
Per Account $2,391 $2,136 11.9% $3,478 $3,938 -11.7% $2,554 $2,364 8.1%
Purchase volume ($bil) $152 $117 29.9% $114 $94 21.3% $266 $211 26.1%
Cash volume ($bil) $1,061 $827 28.3% $199 $158 25.9% $1,260 $985 27.9%
Non-U.S. Visa & MasterCard Debit Totals
Notes: Visa debit programs include signature-based and Interlink (PIN) debit programs.Card counts include Plus proprietary cards.
MasterCard debit programs include MasterCard-branded signature and PIN debit.
Cards (mil) 905 795 13.8% 223 183 21.9% 1,128 978 15.3%
Accounts (mil) 734 639 14.9% 208 170 22.4% 942 809 16.4%
Per Account 47 47 -0.4% 57 60 -5.7% 49 50 -2.0%
Cash transactions (mil) 9,954 8,801 13.1% 2,484 2,154 15.3% 12,438 10,955 13.5%
Total Volume ($bil) $2,303 $1,929 19.4% $736 $625 17.8% $3,039 $2,554 19.0%
Per Account $3,138 $3,019 3.9% $3,538 $3,676 -3.8% $3,226 $3,157 2.2%
Purchase volume ($bil) $969 $843 14.9% $423 $362 16.9% $1,392 $1,205 15.5%
Cash volume ($bil) $1,333 $1,086 22.7% $313 $263 19.0% $1,646 $1,349 22.0%
Notes: Visa debit programs include signature-based and Interlink (PIN) debit programs.Card counts include Plus proprietary cards.
MasterCard debit programs include MasterCard-branded signature and PIN debit, including regional network activity.
Worldwide Visa & MasterCard Debit Totals
Fifth Third Bancorp
3.5%
Citigroup
5.0%
Bank of
America
Corporation
28.4%
Wells Fargo
22.3%
JPMorganChase
22.0%
PNC Financial/
Captital City
5.6%
Citigroup
4.6%
SunTrust Banks Inc.
3.4%
Regions Financial Corp.
2.7%
Fifth Third Bancorp
2.7%
Citizens Financial Group
2.7%
Bank of
America
Corporation
34.2%
Wells Fargo
21.0%
JPMorganChase
14.3%
US Bancorp
7.0%
SunTrust Banks Inc.
4.0%
Regions Financial Corp.
4.3%
Citizens Financial Group
3.5%
PNC Financial Serivces
3.2%
US Bankcorp
5.6%
Market Share Of 10 Largest Debit Card Issuers
2008 2007
Top 10 Issuers Total Cards
97,833,737
Top 10 Issuers Total Cards
128,616,757
Name 2008 2007
1 Bank of America Corp. 36,482,881 33,443,089
2 Wells Fargo 28,700,000 20,400,111
3 JPMorgan Chase 28,235,316 13,942,133
4 PNC Financial/National City 7,265,937 3,108,421
5 US Bancorp 7,176,633 6,894,391
6 Citigroup 5,970,000 5,000,000
7 SunTrust Banks Inc. 4,352,724 3,922,400
8 Regions Financial Corp. 3,524,435 4,245,628
9 Fifth Third Bancorp 3,463,055 3,436,788
10 Citizens Financial Group 3,445,776 3,440,776
Top 10 Issuers Total Cards 128,616,757 97,833,737
Top 10 Debit Card Issuers Based On Cards
Network Network Owner Issuer Switch Fee Acquirer Switch Fee
Accel Fiserv Inc. 3
Armed Forces Financial Network Fidelity National Information Services 2.5 3.5
Alaska Option Four Financial Institutions 7
Credit Union 24 Member Credit Unions 20.5
Interlink Visa USA 3.5
Jeanie Fifth Third Bancorp 3 - 4
Maestro MasterCard 2.5
NYCE Metavante Corp 5
Pulse Discover Financial Network 2-8
Shazam Member Financial Institutions 1 4
Star First Data Corp. 3.3
Network Switch Fees
Network Base Fee Addl % of Gross Trans. Cap
Accel 25
Armed Forces 17
Financial Network (AFFN)
Alaska Option 10-19 19
Credit Union 24 21
Interlink 17-25
Jeanie 24
Maestro 15 0.70% -1.05% 35
NYCE* 26
Pulse 12.5-21.5
Shazam 21
Star** 28
Network Interchange Fees-Supermarket
Network Base Fees Addl % of Gross Trans. Cap
Accel 3 1.25% 45
Credit Union 24 2 1.25% 45
Jeanie 3 1.25% 50
Maestro 10 1.19%
NYCE* 6.5 0.55% 50
Shazam 5 1%
Star** 7.25 1.25% 46
Network Interchange Fees-Quick
Service Restaurants
ACCEL 15 0.75% 70
Armed Forces 12 0.65% 50
Financial Network (AFFN)
Interlink 8-12 0.45%-.065% 45-65
Jeanie 15 0.75% 70
Maestro 15 0.70%-0.74%
NYCE 15 0.75%
Pulse 6-10 0.49%-0.74%
Shazam 15 0.75%
Star 16 0.75% 66
Network Interchange Fees-Retail
Interlink 17 0.75% 95
Maestro 17 0.70% 95
NYCE 15 0.85% 95
Shazam 13 0.75% None
Star 14 0.80% 71
Network Interchange
Fees-Petroleum
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Source 2004 2005 2006 2007 2008
ASIA PACIFIC
Australia Reserve Bank of Australia/ 22,473 23,952 25,752 26,067 27,081
Australian Payments Clearing Association
New Zealand New Zealand Bankers Association 2,019 2,289 2,321 2,419 2,476
ASIA
China China UnionPay 97,800 123,000 N.A
Japan Bank for International Settlement 136,510 136,280 138,260 138,360 N.A.
Kazakhstan National Bank of Kazkhstan 1,124 1,692 2,267 4,364 6,234
Pakistan State Bank of Pakistan 1,948 2,618 3,523
Philippines Bangko Sentral ng Pilipinas 5,469 5,606 6,867 7,155 7,741
Thailand Bank of Thailand 10,602 15,784 21,988 25,943 NA
EASTERN EUROPE
Albania Bank of Albania 642
Belarus National Bank of the Republic of Belarus 900 1,253 1,562 2,026 2,452
Bosnia and Herzegovina Centralna banka Bosne I Hercegovine 538 655 901
Croatia Croatian National Bank 1,913 2,307 2,641 2,995 3,342
Czech Republic Czech Bank Card Association 2,780 2,892 3,096 3,363 3,534
Estonia Bank of Estonia 779 841 918 1,000 1,018
Kosovo Central Bank of the Republic of Kosovo 155 302
Latvia Association of Latvian Commercial Banks 875 878 957 1,143 1,274
Lithuania Bank of Lithuania 1,012 1,056 1,146 1,334 1,471
Poland National Bank of Poland 8,054 8,776 9,938 11,542 13,575
Slovakia National Bank of Slovakia 1,700 1,855 2,009 2,166 2,266
Ukraine National Bank of Ukraine 8,104 11,325 14,718 20,931 NA
WESTERN EUROPE
Austria Oestrreichische NationalBank 3,186 3,283 3,347
Belgium National Bank of Belgium 7,267 7,290 7,268 7,684
Finland Federation of Finnish Financial Services 3,470 3,385 3,279 3,218 3,211
Germany Deutsche Bundesbank 52,595 53,361 53,887 71,107 79,518
Greece Hellenic Bank Association 5,797 6,258 6,703 7,270 7,450
Ireland Irish Banking Federation 2,648 2,944 3,054 3,240 3,404
Italy Banca d'Italia 28,485 30,450 31,353 35,253 50,122
Norway Norges Bank (Central Bank of Norway) 2,180 2,184 2,250 2,272 2,192
Netherlands De Nederlansche Bank 7,446 8,114 8,546 8,654
Portugal Banco de Portugal 12,627 13,841 14,688 15,860 NA
Spain Banco de Espana 55,399 56,333 58,454 60,588 61,714
Switzerland Banque Nationale Suisse 5,388 5,552 5,736 5,930 6,085
UK APACS 54,412 58,286 60,468 63,476 63,916
MIDDLE EAST/AFRICA
Azerbaijan National Bank of Azerbaijan 1,080 1,317 1,515
Kuwait Central Bank of Kuwait 591 715 884 1,026
Lebanon Banque du Liban 881 941 1,006 1,071 1,140
Saudi Arabia Saudi Arabian Monetary Agency/ 4,104 4,588 6,079 7,456 8,893
National Payment Systems (SPAN)
Turkey Bankalararasi Kart Merkezi 13,544 14,823 16,511 18,800 21,970
United Arab Emerite Central Bank of the UAE 1,576 1,690
Yemen Central Bank of Yemen 117 163 238
Zambia Bank of Zambia 133 186 295
NORTH AMERICA
Canada Canadian Bankers Association 16,160 15,950 16,190 16,424 16,886
Mexico Banco de Mexico 20,416 22,900 25,687 29,333 21,097
United States Bank For International Settlements 383,000 396,000 395,000 415,300 406,100
SOUTH AMERICA
Brazil Banco Central do Brasil 139,500 146,800 147,500 153,200 NA
Source: Central Banks and Bankers Associations
Global ATM Market Growth
ATM Owner Q2 2009 Q2 2008 Change
1 Bank of America 18,426 18,531 -0.6%
2 JPMorgan Chase* 14,144 9,310 51.9%
3 Wells Fargo** 12,353 6,960 77.5%
4 PNC Financial Services Group*** 6,474 4,015 61.3%
5 U.S. Bancorp 5,173 4,895 5.7%
6 Citizens 3,606 3,561 12.6%
7 Citibank 3,211 3,315 0.3%
8 SunTrust Banks, Inc. 2,695 2,506 7.5%
9 Fifth Third Bancorp 2,355 2,329 1.1%
10 Regions Financial Corporation 2,321 2,410 -3.7%
Top 10 U.S. Bank Owners of ATMs
* JPMorgan Chase acquired Washington Mutual's retail banking business in
September 2008.
**Wells Fargo acquired Wachovia Corp in October 2008.
***PNC Financial Services Group acquired National City Corporation effective
January 1, 2009.
Vendor 2008 2007 Change
1. Cardtronics Inc. 32,856 28,277 16%
2. Payment Alliance Intl. 26,000 8,500 205%
3. Access To Money 11,649 10,473 11%
4. ATM Network Inc. 4,989 4,683 7%
5. Global Access Corp. 4,236 4,335 -2%
Five Largest ATM ISOs
2008
NCR Corp. 95,000*
Wincor Nixdorf AG 76,041
Diebold Inc. 73,000*
Nautilus Hyosung America Inc. 30,660
Triton Systems of Delaware, Inc. 9,900
Itautec Inc. 6,000
Tranax Technologies Inc. 5,342
2008 Worldwide ATM Shipments
*NCR and Diebold shipments are estimates.
ATM&Debit News estimates for NCR and Diebold are based on a weighted aver-
age world price of $15,000 per machine. ATM sales comprised 50% of NCRs and
Diebolds yearly product sales.
2008 2007
NCR Corp. 47,000 18,995**
Diebold Inc. 37,792 17,352**
Nautilus Hyosung 21,960 14,433
Americs Inc.
Wincor Nixdorf AG 11,204 5,269**
Triton Systems of 8,509 10,454
Delaware Inc.
Tranax Technologies Inc. 5,332 9,000
WRG Services Inc. 2,503* 3,175*
Itautec America Inc. 10 52
ATM Shipments in the Americas
Shipments include the U.S., Canada and Mexico.
*Shipments are for the U.S. only.
**NCR, Diebold, and Wincor Nixdorf shipment are estimates.
ATM&Debit News estimates for NCR, Diebold and Wincor Nixdorf
are based on a weighted average world price of $15,000 per
machine. ATM sales comprised 50% of NCRs and Diebolds yearly
product sales and 60% of Wincor Nixdorfs annual product sales.
To determine sales for the Americas, ATM&Debit News calculated
the percentage of sales from the Americas that contributed to
each companys overall product revenue.
Source: ATM&Debit News.
Data includes ATMs owned and managed.
2003 2004 2005 2006 2007 2008
56,112
65,994
69,001
67,473
79,474
134,369
100
175
250
325
2008 2009 2010 2011 2012 2013
270
291
292
302
313
322
Annual ATM Shipments For U.S. Americas
Year Total ATMs Off-Premise ATMs % Off-Premise
2009 425,010 290,000 68.2%
2008 406,145 239,626 59.0%
2007 415,321 236,732 57.0%
2006 395,000 260,000 65.8%
2005 396,000 260,000 65.7%
2004 383,000 263,000 68.7%
2003 371,000 238,000 64.2%
2002 352,000 220,000 62.5%
Off-Premise ATM Deployment
2008 2007 Change
Credit Union 24 50,000 45,000 11%
Allpoint National LLC 35,000 32,094 9%
Co-Op Financial Services 28,000 25,000 12%
MoneyPass 16,351 12,070 35%
Top Surcharge-Free ATM Networks
Based on U.S. Locations
2008 2007 Change
MoneyPass 31.9 24.9 28%
Co-Op Financial Services 26 24 8%
Credit Union 24 15 15 0%
Allpoint National LLC 12.1 9.5 27.4%
Surcharge-Free ATM Networks
Based on Debit Cards Accepted
Source: ATM&Debit News. Totals in millions.

Bank of
America
Wells Fargo
& Co.
9%
Citibank
5%
PNC Bank/
National City
2%
BB&T 2%
$25,000-
$49,000
34%
$50,000-
$74,000
23%
$75,000-
$99,000
16%
More than
$100,000
16%
Less than
$25,000
11%
0 5 10 15 20 25 30 35
35%
12%
9%
5%
2%
2%
JPMorgan
Chase & Co.
Wells Fargo
& Co.
Citibank
PNC
BB&T
JPMorgan
Chase & Co.
12%
Credit
Union
9%
Capital One
4%
Suntrust 1%
Bank of America
35%
Other
19%
U.S. Bank 2%
Market Share of Mobile
Banking Providers
Bank of
America
Wells Fargo
& Co.
9%
Citibank
5%
PNC Bank/
National City
2%
BB&T 2%
$25,000-
$49,000
34%
$50,000-
$74,000
23%
$75,000-
$99,000
16%
More than
$100,000
16%
Less than
$25,000
11%
0 5 10 15 20 25 30 35
35%
12%
9%
5%
2%
2%
JPMorgan
Chase & Co.
Wells Fargo
& Co.
Citibank
PNC
BB&T
JPMorgan
Chase & Co.
12%
Credit
Union
9%
Capital One
4%
Suntrust 1%
Bank of America
35%
Other
19%
U.S. Bank 2%
Source: ComScore Inc. July 2009
Ownership Technology Major Clients Notes
Clairmail Inc. Privately Held, Venture Capital Funded Brower Based, SMS Wells Fargo (Business), Has a joint venture
BB&T with mFoundry
Firethorn Holdings LLC Subsidiary of Qualcomm - Public Downloadable SunTrust, Wachovia, In June 2009
Application BancorpSouth, Increased security
Regions Bank with PCI compliance
Jack Henry Associates Public-Nasdaq (JKHY) Browser Based Union Bank,
& Associates Inc. Lone Star National Bank
mFoundry Privately held, venture capital funded Downloadable Citibank, BB&T, In May 2009 added
Application, SMS, WAP SMS IBC Bank
and WAP technology
mShift Inc. Privately held, venture capital funded Browser Based, SMS Many Credit Unions 200+ mobile
banking clients
Metavante Mobile Privately held joint venture between Connect through Monitise Americas
Financial Services Metavante Corp. and Monitise plc ATM Networks, NYCE
Monitise Americas LLC Privately held joint venture between Downloadable 20 smaller U.S. Banks, HSBC Uses NYCE EFT
Metavante Corp. and Monitise plc Application Uses NYCE EFT Network Network
Obopay Inc. Privately held, venture capital funded SMS Citibank, Nokia, Citi and Qualcomm
MasterCard are investors
Major U.S. Mobile Banking Platform Providers
Source: ComScore Inc. July 2009
IN MILLIONS
2008 270
2009 291*
2010 292*
2011 302*
2012 313*
2013 322*
Source: Cellular Telecommunications Industry Association, TowerGroup.
*Projections Note: Data represent total subscribers.
Company Market Share
AT&T 35%
Verizon 24%
T-Mobile 13%
Print PCS 11%
Nextel 2%
Other 15%
Source: Cellular Telecommunications Industry Association. July 2009
U.S. Cellular Service Subscribers
(In Millions)
Top Operators of Mobile
Financial Services
Income of Mobile
Financial Users
1. BANK OF AMERICA CORP.
101 South Tryon Street
Charlotte, NC 28255
Phone: (704) 386-5681
Fax: (704) 386-6699
Website: www.bankofamerica.com
Executives:
Kenneth D. Lewis, CEO
Joe L. Price. CFO
Anne M. Finucane, CMO
Total Debit Cards Issued: 36,482,881
National Brands: Visa, MasterCard
Monthly Transactions (December 2008)
Total POS Debit: 438,899,387
PIN-Based: 195,042,263
Signature: 243,857,124
2. WELLS FARGO & CO.
420 Montgomery Street
San Francisco, CA 94104
Phone: (866) 878-5865
Fax: (626) 312-3015
Website: www.wellsfargo.com
Executives:
John G. Stumpf, CEO
Howard I. Atkins, CFO
National Brands: Visa
PIN-Based: 223,260,000
Notes: Wells Fargo & Co. acquired Wachovia
Corp. effective December 31, 2008.
3. JPMORGAN CHASE & CO.
270 Park Avenue
New York, NY 10017
Phone: (212) 270-6000
Fax: (212) 270-1648
Website: www.jpmorganchase.com
Executives:
James Dimon, CEO
Michael J. Cavanagh, CFO
Kristin Lemkau, Global Head of Marketing
& Communications
Signature Based: 25,995,511
PIN-Based: 239,805
National Brands: Visa, MasterCard
PIN-Based: 110,975,207
Notes: JPMorgan Chase acquired
Washington Mutual in September 2008.
4. PNC FINANCIAL SERVICES GROUP INC.
249 Fifth Avenue
Pittsburgh National Building
Pittsburgh, PA 15222
Phone: (412) 762-2000
Fax: (412) 762-7829
Website: www.pnc.com
Executives:
James E. Rohr, CEO
Richard J. Johnson, CFO
PIN-Based: 591,699
PIN-Based: 25,843,683
Notes: PNC Financial Services acquired
National City Corp. effective Dec. 31, 2008.
The numbers reported are
post merger.
5. U.S. BANCORP
800 Nicollet Mall
Minneapolis, MN 55402
Phone: (651) 466-3000
Fax: (612) 303-0782
Website: www.usbank.com
Executives:
Richard K. Davis, CEO
Andrew Cecere, CFO
PIN-Based: 537,791
PIN-Based: 58,689,832
6. CITIGROUP INC.
399 Park Avenue
New York, NY 10043
Phone: (212) 559-1000
Fax: (212) 793-3946
Website: www.citigroup.com
Executives:
Vikram S. Pandit, CEO
Edward J. Kelly III, CFO
PIN-Based: 1,050,000
National Brands: MasterCard
PIN-Based: 13,600,000
7. SUNTRUST BANKS, INC.
303 Peachtree Street Suite 500
Atlanta, GA 30308
Phone: (404) 588-7711
Fax: (404) 332-3875
Website: www.suntrust.com
Executives:
James M. Wells III, CEO
Mark A. Chancy, CFO
PIN-Based: 40,000
PIN-Based: 19,945,742
8. REGIONS FINANCIAL CORP.
1900 Fifth Avenue North
Birmingham, AL 35203
Phone: (205) 944-1300
Website: www.regions.com
Executives:
C. Dowd Ritter, CEO
Irene M. Esteves, CFO
Tim Deighton, Mgr, Corp. Communications
9. FIFTH THIRD BANCORP
38 Fountain Square Plaza
Cincinnati, OH 45263
Phone: (513) 534-5300
Fax: (513) 579-6246
Website: www.53.com
Executives:
Kevin T. Kabat, CEO
Ross J. Kari, CFO
PIN-Based: 26,573,317
10. CITIZENS FINANCIAL GROUP INC.
One Citizens Plaza
Providence, RI 02903
Phone: (401) 456-7096
Website: www.citizensbank.com
Executives:
Ellen Alemany, CEO
James B. Fitzgerald, CFO
PIN-Based: 337,519
Notes: Citizens Financial Group Inc. is owned
by the Royal Bank of Scotland PLC.
TOP 50 DEBIT CARD ISSUERS December 2008 Data
11. BB&T CORP.
200 West Second Street
Winston-Salem, NC 27101
Phone: (336) 733-2000
Fax: (336) 721-3499
Website: www.bbt.com
Executives:
Kelly S. King,Chairman and CEO
Daryl N. Bible, Sr.EVP and CFO
Steven B. Wiggs, Sr. EVP and CMO
PIN-Based: 197,827
PIN-Based: 13,967,952
12. SOVEREIGN BANK
1130 Berkshire Boulevard
Wyomissing, PA 19610
Phone: (610) 320-8400
Website: www.sovereignbank.com
Executives:
Gabriel Jaramillo,Chairman and CEO
Kirk Walters, Sr EVP and CFO
(Estimate)
Notes: Sovereign Bancorp (Bank) was
acquired by the Spanish bank, Banco
Santander, in January 2009.
13. NAVY FEDERAL CREDIT UNION
P.O. Box 3000
Merrifield, VA 22119
Phone: (703) 255-8929
Fax: (703) 206-3558
Website: www.navyfcu.org
Executives:
Cutler Dawson, President, CEO and Treasurer
Lauren Lloyd, CFO
14. USAA FEDERAL SAVINGS BANK
10750 Mcdermott Freeway
San Antonio, TX 78288
Phone: (800) 531-8722
Website: www.usaa.com
Executives:
Josue (Joe) Robles, Jr., President and CEO
(Estimate)
15. TD BANKNORTH INC.
Two Portland Square PO Box 9540
Portland, ME 04112
Phone: (207) 761-8500
Website: www.td.com
Executives:
W. Edmund Clark, CEO
Colleen M. Johnston, CFO
(Estimate)
Notes: TD Banknorth merged with New
Jersey-based Commerce Bancorp Inc on May
31, 2008.
16. CAPITAL ONE FINANCIAL CORP.
1680 Capital One Dr Suite 1400
Mclean, VA 22102
Phone: (703) 720-1000
Fax: (703) 205-1755
Website: www.capitalone.com
Executives:
Richard D. Fairbank, CEO
Gary L. Perlin, CFO
(Estimate)
17. SYNOVUS FINANCIAL CORP.
1111 Bay Avenue Suite 500
Columbus, GA 31901-2751
Phone: (706) 649-2311
Website: www.synovus.com
Executives:
Richard E. Anthony, CEO
Thomas J. Prescott, CFO
(Estimate)
18. POPULAR INC.
209 Munoz Rivera Avenue
Popular Center Building
San Juan, PR 00918
Phone: (787) 765-9800
Website: www.popular.com
Executives:
Richard L. Carrion, CEO
Jorge A. Junquera, CFO
(Estimate)
19. M&T BANK CORP.
One M&T Plaza
Buffalo, NY 14203-2399
Phone: (716) 842-5445
Fax: (716) 842-5021
Website: www.mandtbank.com
Executives:
Robert G. Wilmers, CEO
Ren F. Jones, CFO
PIN-Based: 146,202
Notes: M&T Bank Corp. acquired Provident
Banksahares Corp., completed May 23, 2009.
20. TCF FINANCIAL CORP.
200 East Lake Street
Wayzata, MN 55391
Phone: (612) 661-6500
Website: www.tcfexpress.com
Executives:
William A. Cooper, CEO
Thomas F. Jasper CFO
Jason Korstange, SVP
21. STATE EMPLOYEES CREDIT UNION
P.O. Box 27665
Raleigh, NC 27611-7665
Phone: (919) 839-5084
Fax: (919) 839-5100
Website: www.ncsecu.org
Executives:
James Blaine, President and CEO
Signature Based: 834,433
PIN-Based: 539,146
22. COMERICA INC.
1717 Main Street
Dallas, TX 75201
Phone: (214) 462-6831
Website: www.comerica.com
Executives:
Ralph W. Babb Jr., CEO
Elizabeth S. Acton, CFO
(Estimate)
23. UNIONBANCAL CORP.
400 California Street
Phone: (415) 765-3434
Website:www.unionbank.com
Executives:
Masaaki Tanaka, CEO and President
David I. Matson, Vice Chairman and CFO
PIN-Based: 184,328
24. KEYCORP
127 Public Square
Cleveland, OH 44114-1306
Phone: (216) 689-6300
Fax: (216) 689-0519
Website: www.key.com
Executives:
Henry Meyer III, CEO
Jeffrey Weeden, CFO
Total Debit Cards Issued: 988,181 (Estimate)
25. HUNTINGTON BANCSHARES INC.
41 South High Street
Columbus, OH 43287
Phone: (614) 480-5413
Fax: (614) 480-5746
Website: www.huntington.com
Executives:
Stephen Steinour, Chairman,
CEO and President
Donald Kimble, CFO, EVP and Treasurer
26. BETHPAGE FEDERAL CREDIT UNION
899 South Oyster Bay Road
Bethpage, NY 11714
Phone: (516) 349-6830
Fax: (516) 349-6918
Website: www.bethpage.coop
Executives:
Kirk Kordeleski,President and CEO
Brian Clarke, CFO
Bob Hoppenstedt, SVP, Marketing
Total Debit Cards Issued: 824,000
PIN-Based: 439,539
Signature: 912,612
27. ZIONS BANCORP.
One South Main Street
Suite 1500
Salt Lake City, UT 84111
Phone: (801)844-5794
Fax: (888)339-7416
Website: www.zionsbancorp..com
Executives:
Harris H. Simmons, President and CEO
Doyle L. Arnold, CFO
28. BBVA USA BANCSHARES, INC.
2001 Kirby Drive Suite 661
Houston, TX 77019
Phone: (713) 831-5525
Website: www.bbvabancomerusa.com
Executives:
Antonio Renilla, President and CEO
29. PEOPLES UNITED BANK
850 Main Street
Bridgeport, CT 06604
Phone: (203) 338-7171
Fax: (203) 338-2545
Website: www.peoples.com
Executives:
Philip R. Sherringham, CEO
Paul D. Burner, CFO
Notes: Peoples United Bank acquired Bank
of Western Massachusetts, Chittenden
Trust Co., Flagship Bank and Trust Co.,
Maine Bank & Trust Co., Merrill Merchants
Bank, and Ocean Bank effective
January 1, 2009.
30. PENTAGON FEDERAL CREDIT UNION
2930 Eisenhower Avenue
Alexandria, VA 22314
Phone: (228) 539-7029
Fax: (228) 539-6322
Website: www.penfed.org
Executives:
Frank Pollack, President and CEO
Lisa Jennings, CFO
31. HARRIS BANKCORP INC.
111 West Monroe Street
Chicago, IL 60603
Phone: (312) 461-2121
Website: www4.harrisbank.com
Executives:
Ellen Costello, CEO
Pamela C. Piarowski, CFO
Justine Fedak, Head of Marketing and
Customer Strategies
PIN-Based: 32,518
32. COMMERCE BANCSHARES INC.
1000 Walnut
Kansas City, MO 64106
Phone: (816) 234-2000
Fax: (816) 234-1700
Website: www.commercebank.com
Executives:
David W. Kemper, CEO
A. Bayard Clark, CFO
PIN-Based: 108,628
33. UMB FINANCIAL CORP.
1010 Grand Boulevard
Phone: (816) 860-7000
Fax: (816) 860-4642
Website: www.umb.com
Executives:
J. Mariner Kemper, CEO
Michael D. Hagedorn, CFO
34. ARVEST BANK GROUP INC.
125 West Central Avenue Suite 218
Bentonville, AR 72712
Phone: (479) 271-1253
Fax: (479) 464-1540
Website: www.arvest.com
Executives:
Jim C. Walton, CEO
Karla Payne, SVP, Finance
PIN-Based: 22,859
35. THE GOLDEN 1 CREDIT UNION
8945 Cal Center Drive
Sacramento, CA 95826
Phone: (916) 732-2900
Fax: (916) 451-8214
Website: www.golden1.com
Executives:
Teresa Halleck, President and CEO
Donna Bland, CFO
PIN-Based: 192,386
36. WILMINGTON TRUST CORP.
1100 North Market Street
Wilmington, DE 19890-0001
Phone: (302) 651-1000
Fax: (302) 651-8010
Website: www.wilmingtontrust.com
Executives:
Ted T. Cecala, CEO
David R. Gibson CFO
37. SECURITY SERVICE FEDERAL
CREDIT UNION
16211 La Cantera Parkway
San Antonio, TX 78256
Phone: (210) 476-4000
Fax: (210) 476-4474
Website: www.ssfcu.org
Executives:
David Reynolds,President and CEO
Keith Sultemeier, EVP and CFO
Greg Stroud, VP, Marketing
38. BECU
12770 Gateway Drive
Tukwila, WA 98124
Phone: (206) 439-5870
Fax: (205) 439-5818
Website: www.becu.org
Executives:
Gary Oakland, President and CEO
Kathy Elser, CFO and Vice President of
Finance & Administration
39. BANK OF HAWAII CORP.
130 Merchant Street 22nd Floor
Honolulu, HI 96813
Phone: (888) 643-3888
Fax: (808) 538-4007
Website: www.boh.com
Executives:
Allan R. Landon, CEO
Kent T. Lucien. CFO
40. SCHOOLSFIRST FEDERAL CREDIT UNION
P.O. Box 11547
Santa Ana, CA 92711
Phone: (714) 258-4000
Fax: (714) 258-4265
Website: www.schoolsfirstfcu.org
Executives:
Rudy Hanley, President and CEO
Erin Mendez, SVP of Finance and
Information Services
PIN-Based: 61,053
41. CITIZENS EQUITY FIRST CREDIT UNION
P.O. Box 1715
Peoria, IL 61656
Phone: (309) 633-7077
Fax: (309) 633-3632
Website: www.cefcu.com
Executives:
Mark Spenny, President and CEO
Charles E. Walker, CFO
PIN-Based: 185,816
PIN-Based: 727,610
Signature: 730,973
42. TRUSTMARK CORP.
248 East Capitol Street
Jackson, MS 39201
Phone: (601) 208-5111
Fax: (601) 208-6684
Website: www.trustmark.com
Executives:
Richard G. Hickson, CEO
Louis E. Greer, CFO
43. NORTHWEST SAVINGS BANK
100 Liberty Street P.O. Box 128
Warren, PA 16365
Phone: (814) 728-7320
Fax: (888) 588-3059
Website: www.northwestsavingsbank.com
Executives:
William J. Wagner, CEO
William W. Harvey, Jr., EVP and CFO
PIN-Based: 29,741
44. RBC BANCORP. (USA)
301 Fayetteville Street
Raleigh, NC 27601
Phone: (919) 839-4400
Website: www.rbc.com
Executives:
Gordon M. Nixon, CEO
Janice R. Fukakusa, CFO
(Estimate)
Notes: RBC Bancorp. (USA) was formerly
known as RBC Centura. They acquired
Alabama National BanCorp. in February 2008
45. FULTON BANK
1695 State Street
East Petersburg, PA 17520
Phone: (717) 519-3392
Fax: (717) 560-4352
Website: www.fultonbank.com
Executives:
Craig A. Roda, President and CEO
Curtis J. Myers, President and COO
PIN-Based: 23,299
PIN-Based: 624,747
Signature: 811,507
46. WEBSTER FINANCIAL CORP.
145 Bank Street
Waterbury, CT 06702
Phone: (203) 465-4364
Fax: (203) 755-5539
Website: www.websteronline.com
Executives:
James C. Smith, CEO
Gerald P. Plush, CFO
Michelle M. Crecca, CMO
47. NATIONAL PENN BANCSHARES INC.
Philadelphia & Reading Avenues, P.O. Box
547, Boyertown, PA 19512-1125
Phone: (610) 367-6001
Fax: (610) 369-6349
Website: www.natpennbank.com
Executives:
Glenn E. Moyer, CEO
Michael R. Reinhard, CFO
Notes: National Penn Bancshares Inc. aquired
KNBT Bancorp Inc in February 2008
48. SOUTH FINANCIAL GROUP INC.
104 South Main St.
Greenville, SC 29601
Phone: (864) 255-7900
Fax: (864) 239-2280
Website: www.thesouthgroup.com
Executives:
Larry T. Kuglar, CEO
Douglas J. Hertha, CFO
49. CITIZENS REPUBLIC BANCORP, INC.
328 South Saginaw Street
One Citizens Banking Center
Flint, MI 48502
Phone: (810) 766-7500
Fax: (810) 342-7090
Website: www.citizensbanking.com
Executives:
Cathleen H. Nash, CEO
Charles D. Christy, CFO
(Estimate)
50. ENT FEDERAL CREDIT UNION
7250 Campus Drive
Colorado Springs, CO 80920
Phone: (719) 574-1100
Fax: (719) 388-9074
Website: www.ent.com
Executives:
Charles F. Emmer, President and CEO
MJ Coon, SVP and CFO
James Moore, SVP, Corp. Communications
and Development
PIN-Based: 111,400
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1. BANK OF AMERICA CORP.
101 South Tryon Street
Charlotte, NC, 28255
Phone: (704) 386-5681
Fax: (704) 386-6699
Website: www.bankofamerica.com
Executives:
Kenneth D. Lewis, CEO
Joe L. Price, CFO
Anne M. Finucane, CMO
Dec. 2008 Dec. 2007
ATMs: 18,685 18,753
Fees:
Surcharge: $2
2. JPMORGAN CHASE & CO.
270 Park Avenue
New York, NY 10017
Phone: (212) 270-6000
Fax: (212) 270-1648
Website:www.jpmorganchase.com
Executives:
James Dimon, CEO
Michael J. Cavanagh, CFO
Kristin Lemkau, Global Head of Marketing
& Communications
ATM Transaction Processor: In House
Dec. 2008 Dec. 2007
ATMs: 14,568 9,186
Monthly transactions
Total cardholder ATM Trans.:
61,652,323 31,708,541
Trans on own ATMs:
48,018,087 25,277,798
Trans on others ATMs:
13,634,236 6,430,743
Total No. trans on owned ATMs:
51, 252,456 31,103,948
Fees:
Surcharge: $2-$3
Notes: JPMorgan Chase acquired
Washington Mutual in September 2008.
3. WELLS FARGO & CO.
420 Montgomery Street
Phone: (866) 878-5865
Fax: (626) 312-3015
Website:www.wellsfargo.com
Executives:
John G. Stumpf, CEO
Howard I. Atkins, CFO
Dec. 2008 Dec. 2007
ATMs: 12,395 6,900
Fees:
Surcharge: $2.50
Notes: Wells Fargo & Co. acquired
Wachovia Corp. effective December 31,
2008.
4. PNC FINANCIAL SERVICES GROUP, INC.,
249 Fifth Avenue
Phone: ( 412) 762-2000
Fax: (412) 762-7829
Website:www.pnc.com
Executives:
James E. Rohr, CEO
Richard J. Johnson, CFO
ATM Transaction Processor: FDR
Dec. 2008 Dec. 2007
ATMs: 6,232 3,900
Monthly Transactions
15,383,230 NA
Trans on own ATMs:
12,139,486 NA
3,243,744 NA
Total No. Trans on owned ATMs
24,184,911 NA
Fees:
Surcharge: $0
Notes: PNC Financial Services acquired
National City Corp. effective
January 1, 2009. The numbers reported are
post merger.
5. U.S. BANCORP
800 Nicollet Mall
Minneapolis, MN 55402
Phone: (651) 466-3000
Fax: (612) 303-0782
Website:www.usbank.com
Executives:
Richard K. Davis, CEO
Andrew Cecere, CFO
Dec. 2008 Dec. 2007
ATMs: 5,164 4,867
Monthly Transactions:
10,662,158 11,578,073
Trans on Own ATMs:
8,890,897 9,378,981
2,771,261 2,199,092
Total No. of Trans on owned ATMs:
15,289,513 12,613,190
Fees:
Surcharge: $2
6. CITIGROUP INC.
399 Park Avenue
New York, NY 10043
Phone: (212) 559-1000
Fax: (212) 793-3946
Website:www.citigroup.com
Executives:
Vikram S. Pandit, CEO
Edward J. Kelly III, CFO
Dec. 2008 Dec. 2007
ATMs: 3,255 3,300
17,380,000 17,670,000
Trans on own ATMs:
12,600,000 12,370,000
4,780,000 5,300,000
Total No. Trans on owned ATMs:
14,480,000 14,640,000
Fees:
Surcharge: $1.50
7. POPULAR INC.
209 Munoz Rivera Avenue P.O. Box 362707
San Juan, PR 00936-2708
Phone: (787) 764-1400
Website: www.popular.com
Executives:
Richard L. Carrion, CEO and Chairman
Jorge A. Junquera, CFO
Dec. 2008 Dec. 2007
ATMs: 2,877 2,758
Notes: ATMs totals include machines located
in Puerto Rico, the Caribbean, and the
United States.
8. TD BANKNORTH INC.
Two Portland Square
Portland, ME 04112
Phone: (207) 761-8500
Website:www.td.com
Executives:
W. Edmund Clark, CEO
Colleen M. Johnston, CFO
Dec. 2008 Dec. 2007
ATMs: 2,700 757
Notes: TD Banknorth merged with New
Jersey-based Commerce Bancorp on May 31,
2008. Number of ATMs include TD Bank NA
and TD BankNorth.
9. CITIZENS FINANCIAL GROUP INC.
One Citizens Plaza
Providence, RI 02903
Phone: ( 401) 456-7096
Website: www.citizensbank.com
Executives:
Ellen Alemany, CEO
James B. Fitzgerald, CFO
ATM Transaction Processor: First Data
Dec. 2008 Dec. 2007
ATMs: 2,630 2,781
6,312,106 9,211,266
Trans on Own ATMs:
TOP ATM BANK OWNERS
December 2008 Data
4,260,715 6,307,628
2,051,391 2,903,638
7,779,714 9,131,080
Fees:
Surcharge: $2.50
Notes: Citizens Financial Group, Inc. is owned
by the Royal Bank of Scotland Group PLC.
10. SUNTRUST BANKS, INC.
303 Peachtree Street
Atlanta, GA 30308
Phone: (404) 588-7711
Fax: (404) 332-3875
Website: www.suntrust.com
Executives:
James M. Wells III, CEO
Mark A. Chancy, CFO
Dec. 2008 Dec. 2007
ATMs: 2,518 2,507
9,378,762 8,609,148
Trans on own ATMs
7,815,635 7,174,290
1,563,127 1,434,858
Fees:
Surcharge: $2
11. FIFTH THIRD BANCORP
Phone: (513) 534-5300
Fax: (513) 579-6246
Website: www.53.com
Executives:
Kevin T. Kabat, CEO
Ross J. Kari, CFO
ATM Transaction Processor: FTPS
Dec. 2008 Dec. 2007
ATMs: 2,341 2,211
5,997,135 NA
Trans on own ATMs:
4,917,650 NA
Trans on otherss ATMs:
1,079,485 NA
Fees:
Surcharge: $2
12. REGIONS FINANCIAL CORP.
1900 Fifth Avenue North
Birmingham, AL 35203
Phone: (205) 944-1300
Website:www.regions.com
Executives:
C. Dowd Ritter, CEO
Irene M. Esteves, CFO
Tim Deighton, Mgr, Corp. Communications
Dec. 2008 Dec. 2007
ATMs: 2,336 2,490
13. SOVEREIGN BANK
1130 Berkshire Boulevard
Wyomissing, PA 19610
Phone: (610) 320-8400
Website: www.sovereignbank.com
Executives:
Gabriel Jaramillo, Chairman and CEO
Kirk Walters, Sr EVP and CFO
Dec. 2008 Dec. 2007
ATMs: 2,300 2,300
Fees:
Surcharge: $2.50
Notes: Banco Santander, based in Madrid,
Spain, acquired Sovereign Bancorp in
January 2009.
14. BB&T CORP.
200 West Second Street
Winston-Salem, NC 27101
Phone: (336) 733-2000
Fax: (336) 721-3499
Website: www.bbt.com
Executives:
Kelly S. King, Chairman and CEO
Daryl N. Bible, Sr.EVP and CFO
Steven B. Wiggs, Sr.EVP and CMO
ATM Transaction Processor: Visa DPS
Dec. 2008 Dec. 2007
ATMs: 2,195 2,158
Total Cardholder ATM Trans.:
4,733,958 4,784,617
Trans on own ATMs:
3,747,431 3,742,235
986,527 1,042,382
800,868 4,261,389
Fees:
Surcharge: $3
15. M&T BANK CORP.
One M&T Plaza
Buffalo, NY 14203-2399
Phone: (716) 842-5445
Fax: (716) 842-5021
Website: www.mandtbank.com
Executives:
Robert G. Wilmers, CEO
Ren F. Jones, CFO
Dec. 2008 Dec. 2007
ATMs: 1,764 1,692
Notes: M&T Bank Corp. acquired Provident
Banksahares Corp. May 23, 2009.
16. TCF FINANCIAL CORP.
200 East Lake Street
Wayzata, MN 55391
Phone: (612) 661-6500
Website: www.tcfexpress.com
Executives:
William A. Cooper, CEO
Thomas F. Jasper, CFO
Jason Korstange, SVP
Dec. 2008 Dec. 2007
ATMs: 1,628 1,663
17. KEYCORP
127 Public Square
Cleveland, OH 44114-1306
Phone: (216) 689-6300
Fax: (216) 689-0519
Website: www.key.com
Executives:
Henry Meyer III, CEO
Jeffrey Weeden, CFO
Dec. 2008 Dec. 2007
ATMs: 1,478 1,443
18. HUNTINGTON BANCSHARES INC.
41 South High Street
Columbus, OH 43287
Phone : (614) 480-5413
Fax: (614) 480-5746
Website: www.huntington.com
Executives:
Stephen Steinour, Chairman, CEO and
President
Donald Kimble, CFO, EVP and Treasurer
Dec. 2008 Dec. 2007
ATMs: 1,384 1,350
19. CAPITAL ONE FINANCIAL CORP.
1680 Capital One Drive Suite 1400
McLean, VA, 22102
Phone : (706) 720-1000
Fax: (703) 205-1755
Website: www.capitalone.com
Executives:
Richard D. Fairbank, CEO
Gary L. Perlin, CFO
Dec. 2008 Dec. 2007
ATMs: 1,311 1,288
20. STATE EMPLOYEES CREDIT UNION
P.O. Box 27665
Raleigh, NC 27611-7665
Phone: (919) 839-5084
Fax: (919) 839-5100
Website: www.ncsecu.org
Executives:
James Blaine, President and CEO
Dec. 2008 Dec. 2007
ATMs: 1,020 975
TOP ATM BANK OWNERS
December 2008 Data
3,825,623 3,890,054
Trans on own ATMs:
3,120,005 3,248,376
705,618 641,678
6,211,043 5,385,689
21. RBC BANCORP. (USA)
301 Fayetteville Street
Raleigh, NC 27601
Phone: (919) 839-4400
Website: www.rbc.com
Executives:
Gordon M. Nixon, CEO
Janice R. Fukakusa, CFO
Dec. 2008 Dec. 2007
ATMs: 815 473
Fees:
Surcharge: $2.50
Notes: RBC Bancorp. (USA) was formerly
known as RBC Centura. RBC Centura
acquired Alabama National BanCorp. in
February 2008.
22. HARRIS BANKCORP INC.
111 West Monroe Street
Chicago, IL 60603
Phone: (312) 461-2121
Website: www4.harrisbank.com
Executives:
Ellen Costello, CEO
Pamela C. Piarowski, CFO
Justine Fedak, Head of Marketing and
Customer
ATM Transaction Processor: Metavante
Dec. 2008 Dec. 2007
ATMs: 640 647
Fees:
Surcharge: $2.50
23. COMERICA INC.
1717 Main Street
Dallas, TX 75201
Phone: (214) 462-6831
Website: www.comerica.com
Executives:
Ralph W. Babb Jr., CEO
Elizabeth S. Acton, CFO
Dec. 2008 Dec. 2007
ATMs: 615 590
Fees:
Surcharge: $5
24. UMB FINANCIAL CORP.
1010 Grand Boulevard
Phone: (816) 860-7000
Fax: (816) 860-4642
Website:www.umb.com
Executives:
J. Mariner Kemper, CEO
Michael D. Hagedorn, CFO
Dec. 2008 Dec. 2007
ATMs: 597 592
25. ZIONS BANCORP.
One South Main Street Suite 1500
Salt Lake City, UT 84111
Phone: (801) 844-5794
Fax: (888) 339-7416
Website: www.zionsbancorp..com
Executives:
Harris H. Simmons, President and CEO
Doyle L. Arnold, CFO
ATM Transaction Processor: Star-External /
Base 24-Internal
Dec. 2008 Dec. 2007
ATMs: 572 578
1,138,631 NA
Trans on own ATMs:
727,442 NA
411,189 NA
Fees:
Surcharge: $1.50-$3
26. UNIONBANCAL CORP.
400 California Street
Phone: (415) 765-3434
Website: www.unionbank.com
Executives:
Masaaki Tanaka, CEO and President
David I. Matson, Vice Chairman and CFO
Dec. 2008 Dec. 2007
ATMs: 566 608
Total Cardholder ATM Trans.:
1,305,540 1,458,736
Trans on own ATMs:
914,242 997,558
391,298 461,178
1,102,681 1,213,932
Fees:
Surcharge: $2-$5
27. MARSHALL & ILSLEY CORP.
770 North Water Street
Milwaukee, WI 53202
Phone: (414) 765-7801
Fax: (414) 765-7899
Website: www.micorp.com
Executives:
Mark F. Furlong, CEO
Gregory A. Smith, CFO
Brent J. Kelly, Director of Marketing
Dec. 2008
ATMs: 525
Fees:
Surcharge: $2
28. WEBSTER FINANCIAL CORP.
145 Bank Street
Waterbury, CT 06702
Phone: (203) 465-4364
Fax: (203) 755-5539
Website: www.websteronline.com
Executives:
James C. Smith, CEO
Gerald P. Plush, CFO
Michelle M. Crecca, CMO
Dec. 2008 Dec. 2007
ATMs: 492 343
Fees:
Surcharge: $1.75
29. BANK OF HAWAII CORP.
130 Merchant Street 22nd Floor
Honolulu, HI 96813
Phone: (888) 643-3888
Fax: (808) 538-4007
Website: www.boh.com
Executives:
Allan R. Landon, CEO
Kent T. Lucien, CFO
Dec. 2008 Dec. 2007
ATMs: 462 411
30. SYNOVUS FINANCIAL CORP.
1111 Bay Avenue
Columbus, GA 31901-2751
Phone: (706) 649-2311
Website:www.synovus.com
Executives:
Richard E. Anthony, CEO
Thomas J. Prescott, CFO
Dec. 2008 Dec. 2007
ATMs: 440 440
31. NAVY FEDERAL CREDIT UNION
P.O. Box 3000
Merrifield,VA 22119
Phone: (703) 255-8929
Fax: (703) 206-3558
Website:www.navyfcu.org
Executives:
Cutler Dawson, President, CEO and Treasurer
Lauren Lloyd, CFO
Dec. 2008 Dec. 2007
ATMs: 408 365
TOP ATM BANK OWNERS
December 2008 Data
4,914,682 NA
ATMs: 408 365
Monthly transactions:
Total cardholder ATM Trans:
4,914,682 NA
Trans on own ATMs:
1,750,723 NA
Trans on others ATMs
3,163,959 NA
2,022,034 NA
Fees:
Surcharge: $2.50
32. PEOPLES UNITED BANK
850 Main Street
Bridgeport, CT 06604
Phone: (203) 338-7171
Fax: (203) 338-2545
Website: www.peoples.com
Executives:
Philip R. Sherringham, CEO
Paul D. Burner, CFO
Dec. 2008 Dec. 2007
ATMs: 400 300
Fees:
Surcharge: $2
Notes: Peoples United Bank acquired
Bank of Western Massachusetts,
Chittenden Trust Co., Flagship Bank
and Trust Co., Maine Bank & Trust Co.,
Merrill Merchants Bank, and Ocean Bank
effective January 1, 2009. Their ATM
count is post merger.
33. COMMERCE BANCSHARES, INC.
1000 Walnut
Phone: (816) 234-2000
Fax: (816) 234-1700
Website: www.commercebank.com
Executives:
David W. Kemper, CEO
A. Bayard Clark, CFO
Dec. 2008 Dec. 2007
ATMs: 368 354
1,427,367 1,385,921
Trans on own ATMs:
1,167,978 1,118,921
259,389 267,000
1,358,499 1,343,956
Fees:
Surcharge: $2.50
34. FIRST BANKS, INC.
135 North Meramec Ave.
Clayton, MO 63105
Phone: (314) 854-4600
Website: www.firstbanks.com
Executives:
Terrance M. McCarthy, CEO
Lisa K. Vansickle, CEO
Dec. 2008 Dec. 2007
ATMs: 331 209
35. ARVEST BANK GROUP, INC.
125 West Central Avenue Suite 218
Bentonville, AR 72712
Phone: (479) 271-1253
Fax: (479) 464-1540
Website: www.arvest.com
Executives:
Jim C. Walton, CEO
Karla Payne, SVP, Finance
ATM Transaction Processor:
In House/Euronet
Dec. 2008 Dec. 2007
ATMs: 321 325
1,095,878 NA
Trans on own ATMs:
774,837 NA
Trans on otherss ATMs:
321,041 NA
981,618 NA
Fees:
Surcharge: $1.50-$2
36. THE GOLDEN 1 CREDIT UNION
8945 Cal Center Drive
Sacramento, CA 95826
Phone: (916) 732-2900
Fax: (916) 451-8214
Website: www.golden1.com
Executives:
Teresa Halleck, President and CEO
Donna Bland, CFO
Dec. 2008 Dec. 2007
ATMs: 281 275
1,152,971 NA
Trans on own ATMs:
909,115 NA
243,856 NA
1,156,618 NA
Surcharge: $1.25
37. NORTHWEST SAVINGS BANK
100 Liberty Street
Warren, PA 16365
Phone: (814) 728-7320
Fax: (888) 588-3059
Website: www.northwestsavingsbank.com
Executives:
William J. Wagner, CEO
William W. Harvey, Jr., EVP and CFO
ATM Transaction Processor: First Data
Dec. 2008 Dec. 2007
ATMs: 277 264
430,933 453,114
Trans on own ATMs:
285,472 301,433
145,461 151,681
Fees:
Surcharge: $1.50
38. SCHOOLSFIRST FEDERAL CREDIT UNION
P.O. Box 11547
Santa Ana, CA 92711
Phone: (714) 258-4000
Fax: (714) 258-4265
Website: www.schoolsfirstfcu.org
Executives:
Rudy Hanley, President and CEO
Erin Mendez, SVP of Finance and Information
Dec. 2008 Dec. 2007
ATMs: 268 268
1,017,137 1,055,288
Trans on own ATMs:
710,067 734,148
307,070 321,140
1,290,007 1,326,275
Fees:
Surcharge: $1
39. CITIZENS REPUBLIC BANCORP, INC.
328 South Saginaw Street
Flint, MI 48502
Phone: (810) 766-7500
Fax: (810) 342-7090
Website: www.citizensbanking.com
Executives:
Cathleen H. Nash, CEO
Charles D. Christy, CFO
Dec. 2008 Dec. 2007
ATMs: 266 265
Fees:
Surcharge: $2
December 2008 Data
TOP ATM BANK OWNERS
40. SOUTH FINANCIAL GROUP, INC., THE
104 South Main Street
Greenville, SC 29601
Phone: (864) 255-7900
Website: www.thesouthgroup.com
Executives:
Larry T. Kuglar, CEO
Douglas J. Hertha, CFO
Dec. 2008 Dec. 2007
ATMs: 202 187
41. NATIONAL PENN BANCSHARES INC.
Philadelphia & Reading Avenues
Boyertown, PA 19512-1125
Phone: (610) 367-6001
Fax: (610) 369-6349
Website: www.natpennbank.com
Executives:
Glenn E. Moyer, CEO
Michael R. Reinhard, CFO
Dec. 2008 Dec. 2007
ATMs: 141 83
Notes: National Penn Bancshares, Inc.
acquired KNBT Bancorp Inc in February 2008.
42. HANCOCK HOLDING CO.
One Hancock Plaza
Gulfport, MS 39501
Phone: (228) 563-6508
Website: www.hancockbank.com
Executives:
Carl J. Chaney, CEO
Michael M. Achary, CFO
Dec. 2008 Dec. 2007
ATMs: 132 132
43. FULTON BANK
1695 State Street
East Petersburg, PA 17520
Phone: (717) 519-3392
Fax: (717) 560-4352
Website:www.fultonbank.com
Executives:
Craig A. Roda, President and CEO
Curtis J. Myers, President and COO
ATM Transaction Processor: STAR
Dec. 2008 Dec. 2007
ATMs: 118 107
303,117 NA
Trans on own ATMs:
238,495 NA
64,622 NA
341,697 NA
Fees:
Surcharge $1
44. ENT FEDERAL CREDIT UNION
7250 Campus Drive
Colorado Springs, CO 80920
Phone: (719) 574-1100
Fax: (719) 388-9074
Website: www.ent.com
Executives:
Charles F. Emmer, President and CEO
MJ Coon, SVP and CFO
James Moore, SVP, Corporate
Communications
ATM Transaction Processor: Co-Op
Dec. 2008 Dec. 2007
ATMs: 69 59
223,998 216,467
Trans on own ATMs:
120,740 117,559
Fees:
Surcharge: $1.50
45. ASSOCIATED CREDIT UNION
6251 Crooked Creek Road
Norcross, GA 30092
Phone: (770) 448-8200
Fax: (770) 326-7329
Website: www.acuonline.org
Executives:
C. Lin Hodges, President and CEO
Timothy G. Bridges, EVP and CFO
Glenn C. Miller, SVP, Marketing &
Administrative
ATM Transaction Processor: Fiserv
Dec. 2008 Dec. 2007
ATMs: 54 52
113,027 135,928
Trans on Own ATMs:
29,444 39,953
Fees:
Surcharge: 75 cents
TOP ATM BANK OWNERS
December 2008 Data
ACCESS TO MONEY INC.
1101 Kings Highway North Suite G100
Cherry Hill, NJ 08034
Phone: (856) 414-9100
Fax: (503) 251-5473
Website: www.accesstomoney.com
Executives:
Richard B. Stern, President and CEO
Michael J. Dolan, CFO
ATMs Under Management:
April 2009 April 2008
11,522 9,307
Notes: TRM Corp. acquired Access to Money
on April 18, 2008. TRM Corp. changed
its name to Access to Money, effective
June 25, 2009.
ATM NETWORK
10749 Bren Road E
Minnetonka, MN 55343
Phone: (800) 929-0228
Website: www.atmnetwork.net
Executives:
Phil Rock, Founder and CEO
Kurt Duhn General Manager
Bank Sponsor: Citizens Bank
4,989 4,683
Businesses Served: Convenience Stores,
Malls, Gas Stations, Office Buildings, Casinos,
Theaters
ATM USA LLC
2200 Gateway Centre Blvd. Suite 220
Morrisville, NC 27560
Phone: (919) 469-5856
Fax: (919) 469-4597
Website: www.atmusa.net
Executives:
Haz Lancaster III, Owner & Founding Partner
Jason Roth, CFO and President
Bank Sponsor: Citizens Bank
750 400
Malls, Gas Stations, Office Building,
Casinos, Theaters
CARDTRONICS INC.
3250 Briarpark Drive Suite 400
Houston, TX 77042
Phone: (832) 308-4000
Fax: (832) 308-4001
Website: www.cardtronics.com
Executives:
Fred Lummis, Chairman and Interim CEO
J. Chris Brewster, CFO
Brian Archer, Chief Marketing Officer
32,856 28,277
INNOVUS, INC.
5220 Spring Valley Road Suite 350
Dallas, TX 75254
Phone: (214) 242-7674
Fax: (800) 753-2274
Website: www.innovusatm.com
Executives:
Kevin Reager, President and CEO
Brent Coles, CFO
NA 21,555
Businesses Served: Hospitality, Retail,
Restaurants, Entertainment, Malls,
Financial Institutions
INTERNATIONAL MERCHANT SERVICES
1441 Airport Freeway Suite 100
Euless, TX 76040
Phone: (800) 769-2826
Fax: (817) 868-1931
Website: www.ATM24.com
Executives:
Neil Johnson, President and CEO
Bank Sponsor: Citizens Bank of Rhode Island
NA 6,000
Businesses Served: Convenience Stores, Malls,
Gas Stations, Office Building, Casinos, Theaters
NATIONWIDE MONEY SERVICES
7800 Belfort Parkway Suite 165
Jacksonville, FL 32256
Phone: (904) 280-3950
Fax: (904) 280-8588
Website: www.nationwidemoney.com
Executives:
George A. McQuain, President and CEO
Michael J. Loiacono, CFO and Chief
Accounting Officer
Heather Webb Carrouth, VP,
New Business Development
Bank Sponsor: American State Bank
4,236 4,335
Businesses Served: Convenience Stores, Malls,
Gas Stations, Office Building, Casinos, Theaters
PAYMENT ALLIANCE INTERNATIONAL
11857 Commonwealth Drive
Louisville, KY 40299
Phone: (502) 212-4000
Fax: (502) 212-4004
Website: www.paymentallianceintl.com
Executives:
John J. Leehy III, President and CEO
David Kozal, SVP and CFO
Bank Sponsor: MetaBank
26,000 8,500
Malls, Gas Stations, Office Building,
Casinos, Theaters
Notes: Payment Alliance International
acquired ATM Express Inc. in March 2008.
ISO ATM OWNERS
ACCEL/EXCHANGE
250 Johnson Road
Morris Plains, NJ 07950
Phone: (973) 490-3000
Fax: (973) 734-0398
Website:www.accelexchange.com
Parent: Fiserv Inc.
Network Ownership: Fiserv Inc.
Executives:
Kevin Gregoire, President
Dana Trokel, SVP, Director of Marketing
March 2009 March 2008
Total PIN-Based POS Trans. Switched:
NA 248,394,000
Total ATMs in Network:
200,000 200,000
POS Terminals(PIN-Based) in Network:
NA 6,500,000
Debit Cards in Network:
NA 17,300,000
POS Switch Fee Paid by Acquirer: 3
Interchange Fees Cap
Supermarket: 25
QSR: 1.25% of gross trans.+3 45
Retail: 0.75% of gross trans.+15 70
ALASKA OPTION
P.O. Box 196233
Anchorage, AK 99519-6233
Phone: (907) 273-2948
Fax: (907) 273-2929
Website:www.alaskaoption.com
Parent: Alaska USA Federal Credit Network
Ownership: Four Financial Institutions
Executives:
B. John Shipe, President and CEO
Total Switch Volume:
6,398,285 5,391,498
Total Network-Only Switch Volume:
5,749,276 4,802,335
Total ATM Volume:
1,981,845 1,785,343
ATM Volume:
1,327,836 1,196,180
Gateway ATM Volume:
654,009 589,163
4,416,440 3,606,165
Network PIN-Based POS Volume:
4,416,440 3,606,155
Offline Debit Transactions Processed:
4,174,286 3,594,285
EBT Transactions Processed:
5,855 4,261
488 437
Off-Premise ATMs:
156 176
ATM Terminals-Driven:
426 359
876,231 740,054
% of PIN-Secured, POS-Capable Network
Cards: 100%
Total Merchant Locations: 1,000,000
Network Membership
Banks: 16
Savings & Loans: 0
Credit Unions: 95
Other: 1
Supermarket: 10-19 19
QSR: 10-19 19
Retail: 10-19 19
Petroleum: 10-19 19
ALLPOINT NETWORK
7315 Wisconsin Avenue Suite 750 East
BethesdaMD 20814
Phone: (301) 492-2100
Fax: (301) 492-2101
Website:www.allpointnetwork.com
Parent: Cardtronics
Network Ownership: Cardtronics
Executives:
Ben Psillas, President
29,790 27,819
33,040 32,475
18,257 17,854
ARMED FORCES FINANCIAL NETWORK
11601 Roosevelt Boulevard Mail Code: TA-94
St. Petersburg, FL 33716
Phone: (727) 227-2880
Fax: (727) 227-5773
Website:www.affn.org
Parent: Armed Forces Financial
Network Ownership: Fidelity National
Information
Executives:
David Weber, President and CEO
20,530,300 17,159,200
20,530,300 17,159,200
Total ATM Volume:
11,694,200 10,715,000
ATM Volume:
11,694,200 10,715,000
8,836,100 6,444,200
8,836,100 6,444,200
195,000 150,000
1,300,000 1,200,000
92,000,000 91,500,000
Cards: 90%
POS Switch Fee Paid by Issuer: 2.5
POS Switch Fee Paid by Acquirer: 3.5
Supermarket: 17
Notes: Retail Interchange fees do not include
cash back. Retail cap listed is for Standard
Retail. Major Merchants have a 40 cap.
CO-OP FINANCIAL SERVICES
9692 Haven Avenue
Rancho Cucamonga, CA 91730
Phone: (909) 948-2500
Fax: (909) 941-0979
Website: www.co-opfs.org
Executives:
Stan Hollen, President and CEO
Kari Wilfong, CFO and EVP
Eric Porter, EVP, Business Development
169,072,479 166,488,805
51,417,448 53,586,906
Total ATM Volume:
50,078,846 52,612,995
ATM Volume:
50,078,846 52,612,995
118,993,633 113,875,710
1,338,602 973,911
Gateway PIN-Based POS Volume:
117,655,031 112,901,899
63,30 5,017
28,641 26,528
Off-Premise ATMs:
12,289 11,684
9,900 9,900
5,682 5,480
26,000,000 26,000,000
Cards: 100%
Network Membership Banks: 1
Savings & Loans: 0
Credit Unions: 2,832
Other: 0
EFT NETWORKS
CREDIT UNION 24
2120 Killarney Way
Tallahassee, FL 32309
Phone: (850) 701-2824
Fax: (850) 701-2424
Website:www.cu24.com
Executives:
Jim Park, President and CEO
Jim Gowan, EVP, COO
Mary Warren, SVP, Marketing and Product
Supermarket: 20.5
Petroleum: 0.65% of gross trans.+12 50
INTERCEPT NETWORK
11601 Roosevelt Boulevard TA-94
St. Petersburg, FL 33716
Phone: (727) 227-2880
Fax: (727) 227-5773
Website:www.surchargefree.com
Parent: Fidelity National
Network Ownership: Fidelity National
Information
Executives:
Dave Weber, President
John Broda, EVP
7,274 5,599
7,274 5,599
Total ATM Volume:
7,274 5,599
ATM Volume:
7,274 5,599
2,389 2,464
3,420,396 NA
Network Membership
Banks: 500
Savings & Loans: 0
Credit Unions: 31
Other: 0
INTERLINK
P.O. Box 8999
Phone: (415) 932-2226
Fax: (415) 932-2482
Website:www.visa.com
Parent: Interlink
Network Ownership: Visa USA
Executives:
Jeff Sachs, SVP,
Consumer Debit Services
Supermarket: 17-25
Retail:
0.45% - 0.65% of gross trans.+8-12 55
Petroleum:
0.75% of gross trans.+0.17 95
Notes: Interlink has three perfomance
thresholds for Retail and Supermarkets. The
retail cap for for threshold I is 45, threshold
II, 55, threshold III, 65.
JEANIE
Mail Drop 1090A2
Phone: (410) 750-7016
Fax: (410) 750-3260
Website:www.jeanienetwork.com
Parent: Fifth Third Bancorp Network
Ownership: Fifth Third Bancorp
Executives:
Allison Kurtz, Jeanie Network Manager
2,354 7,680
ATM Terminals-Driven: 2,354
POS Switch Fee Paid by Acquirer: 3-4
Supermarket: 24
MAESTRO USA
2000 Purchase Street
Purchase, NY 10577
Phone: (914) 249-2000
Fax: (914) 249-4103
Website:www.maestrocard.com
Parent: MasterCard
Network Ownership: MasterCard
Executives:
Ann Camarillo, SVP, Global Debit, CEO
652,000,000 650,044,000
Total Merchant Locations: 10,000,000
Supermarket:
0.70%-1.05% of gross trans.+15 35
QSR: 1.19% of gross trans.+10
Retail: 0.70%-1.05% of gross trans.+15
MONEY CENTER 24
5401 West Dirkson Parkway
Peoria, IL 61607
Phone: (309) 633-7000
Fax: (309) 633-3633
Website:www.cefcu.com
Parent: Citizens Equity First Credit
Network Ownership: CEFCU
Executives:
Mark G. Sperry, CEO
Todd Haller, VP, EFT
NA 2,108,760
943,462 956,862
Total ATM Volume:
943,462 1,485,164
ATM Volume:
943,462 956,862
Gateway ATM Volume:
NA 271,035
NA 623,596
NA 623,596
NA 648
109 107
398,565 3,985,650
Network Membership
Banks: 0
Savings & Loans: 0
Credit Unions: 1
Other: 0
MONEYPASS
225 W. Station Square Drive Suite 620
Phone: (800) 343-7064
Fax: (412) 552-2290
Website:www.moneypass.com
Parent: U.S. Bancorp
Network Ownership: Elan Financial
Services Inc.
Executives:
Douglas Miraglia, President, MoneyPass
Network
32,185 0
NYCE PAYMENTS NETWORK LLC
400 Plaza Drive
Secaucus, NJ 07094
Phone: (201) 865-9000
Fax: (201) 330-3374
Website:www.nyce.net
Parent: Metavante Corp
Network Ownership: Metavante Corp
Executives:
Steven A. Rathgaber, President and COO
Jenifer DeWolf, EVP
Kim Graber, Communications Manager
EFT NETWORKS
NA 138,120,000
NA 280,000
NA 89,000,000
Supermarket: 26
QSR: 0.55% of gross trans.+6.5 50
Retail: 0.75% of gross trans.+15
PULSE
1301 McKinney Suite 2500
Houston, TX 77010
Phone: (713) 223-1400
Fax: (832) 214-0300
Website:www.pulsenetwork.com
Parent: Discover Financial Services
Network Ownership: Discover Financial Services
Executives:
Dave Schneider, President
Karen Gardstein, EVP, Finance and
Administration
Anne Rhodes, Senior Manager,
Public Relations
254,058,300 234,468,000
POS Switch Fee Paid by Acquirer: 2-8
Supermarket: 12.5-21.5
Retail:
0.49%-0.74% of sale+6-10
SHAZAM INC.
6700 Pioneer Parkway
Johnston, IA 50131
Phone: (515) 288-2828
Fax: (515) 248-5828
Website:www.shazam.net
Network Ownership: Member Financial
Institutions
Executives:
Michael Hollinger, President and CEO
Dan Kramer, SVP,
Marketing and Merchant
28,674,314 24,970,353
21,455,548 19,044,426
Total ATM Volume:
5,947,512 8,545,895
ATM Volume:
3,024,801 3,761,928
Gateway ATM Volume:
2,922,711 4,783,967
22,683,238 20,263,230
18,430,747 19,044,426
4,252,491 1,218,804
PIN-less Volume:
43,564 0
24,314,708 0
186,591 0
31,325 11,958
Off-Premise ATMs:
13,620 8,193
177,729 NA
5,920 5,770
POS Terminals (PIN-Based)-Driven:
1,439 5 587
9,172,079 6,015,909
Cards: 100
Total Merchant Locations: 177,729
Network Membership
Banks: 1,201
Savings & Loans: 75
Credit Unions: 205
Other: 99
POS Switch Fee Paid by Issuer: 1
Supermarket: 21
QSR:
1% of gross trans. amount+5
Retail:
0.75% gross trans. amount+15
Petroleum:
0.75% gross trans. amount+13
Notes: SHAZAMs Interchange fees are
effective 10/1/2009.
STAR NETWORK
6200 South Quebec Street Suite 340
Greenwood, CO 80111
Phone: (312) 263-3000
Fax: (321) 263-4020
Website: www.star.com
Parent: First Data Corp.
Network Ownership: First Data Corp.
Executives:
Tony Emrick, SVP, General Manager-Star
988,433,000 948,560,000
119,400,000 124,000,000
Supermarket : 28.25
QSR: 1.25% of gross trans.+7.25 46
TRANSFUND
P.O. Box 2300
Tulsa, OK 94192
Phone: (918) 588-6816
Fax: (918) 588-6203
Website:www.transfund.com
Parent: BOK Financial Corp.
Network Ownership: Bank of Oklahoma
8,188,840 7,570,720
6,687,129 2,700,255
Total ATM Volume:
5,263,779 5,039,124
ATM Volume:
3,762,068 3,700,255
Gateway ATM Volume:
1,501,711 1,338,869
2,925,061 2,531,596
2,925,061 2,531,596
17,835,039 16,092,558
90,988 85,849
1,952 1,883
Off-Premise ATMs:
620 532
1,952 1,860
2,620,114 2,161,518
Network Membership
Banks: 225
Savings & Loans: 1
Credit Unions: 157 Other: 11
EFT NETWORKS
Accel/Exchange . . . . . . . . . . . . . . . . . 25
Access to Money Inc . . . . . . . . . . . . .. 24
Alaska Option . . . . . . . . . . . . . . . . . . 25
Allpoint Network . . . . . . . . . . . . . . . . 25
Armed Forces Financial Network . . . . 25
Arvest Bank Group, Inc. . . . . . . . 16, 22
Associated Credit Union . . . . . . . . . . 23
ATM Network . . . . . . . . . . . . . . . . . . 24
ATM USA LLC . . . . . . . . . . . . . . . . . . . 24
Bank of America Corp. . . . . . . . . 14, 19
Bank of Hawaii Corp. . . . . . . . . . 17, 21
BB&T Corp. . . . . . . . . . . . . . . . . . 15, 20
BBVA USA Bancshares, Inc . . . . . . . .. 16
BECU . . . . . . . . . . . . . . . . . . . . . . . . . 17
Bethpage Federal Credit Union . . . . . 16
Capital One Financial Corp. . . . . . 15, 20
Cardtronics Inc. . . . . . . . . . . . . . . . . . 24
Citigroup Inc. . . . . . . . . . . . . . . . . 14, 19
Citizens Equity First Credit Union . . . 17
Citizens Financial Group, Inc. . . . 14, 19
Citizens Republic Bancorp, Inc. . . 17, 22
CO-OP Financial Services . . . . . . . . . . 25
Comerica Inc. . . . . . . . . . . . . . . . . 15, 21
Commerce Bancshares, Inc . . . . .. 16, 22
Credit Union 24 . . . . . . . . . . . . . . . . . 26
ENT Federal Credit Union . . . . . . 18, 23
Fifth Third Bancorp . . . . . . . . . . . 14, 20
First Banks, Inc., . . . . . . . . . . . . . . . . 22
Fulton Bank . . . . . . . . . . . . . . . . . 17, 23
Hancock Holding Co. . . . . . . . . . . . . . 23
Harris Bankcorp, Inc . . . . . . . . . .. 16, 21
Huntington Bancshares Inc. . . . . . 16, 20
Innovus, Inc. . . . . . . . . . . . . . . . . . . . 24
InterCept Network . . . . . . . . . . . . . . . 26
Interlink . . . . . . . . . . . . . . . . . . . . . . .26
International Merchant Services . . . . 24
Jeanie . . . . . . . . . . . . . . . . . . . . . . . . . 26
JPMorgan Chase & Co. . . . . . . . . 14, 19
Keycorp . . . . . . . . . . . . . . . . . . . . 16, 20
M&T Bank Corp. . . . . . . . . . . . . . 15, 20
Maestro USA . . . . . . . . . . . . . . . . . . . 26
Marshall & Ilsley Corp. . . . . . . . . . . . . 21
Money Center 24 . . . . . . . . . . . . . . . . 26
MoneyPass . . . . . . . . . . . . . . . . . . . . . 26
National Penn Bancshares, Inc. . . 17, 23
Nationwide Money Services . . . . . . . 24
Navy Federal Credit Union . . . . . . 15, 21
Northwest Savings Bank . . . . . . . 17, 22
NYCE Payments Network LLC . . . . . . 26
Payment Alliance International . . . . . 24
Pentagon Federal Credit Union . . . . . 16
Peoples United Bank . . . . . . . . . . 16, 22
PNC Financial Services
Group, Inc. . . . . . . . . . . . . . . . . . 14, 19
Popular, Inc . . . . . . . . . . . . . . . .. 15, 19
Pulse . . . . . . . . . . . . . . . . . . . . . . . . . 27
RBC Bancorp. (USA) . . . . . . . . . . . 17, 21
Regions Financial Corp. . . . . . . . . 14, 20
SchoolsFirst Federal Credit Union . . 17, 22
Security Service Federal
Credit Union . . . . . . . . . . . . . . . . . . . 17
Shazam Inc. . . . . . . . . . . . . . . . . . . . . 27
South Financial Group, Inc., The . . 17, 23
Sovereign Bank . . . . . . . . . . . . . . 15, 20
Star Network . . . . . . . . . . . . . . . . . . .27
State Employees Credit Union . . 15, 20
SunTrust Banks, Inc. . . . . . . . . . . 14, 20
Synovus Financial Corp. . . . . . . . 15, 21
TCF Financial Corp. . . . . . . . . . . . 15, 20
TD Banknorth Inc. . . . . . . . . . . . . 15, 19
The Golden 1 Credit Union . . . . .16, 22
Transfund . . . . . . . . . . . . . . . . . . . . . 27
Trustmark Corp. . . . . . . . . . . . . . . . . . 17
U.S. Bancorp . . . . . . . . . . . . . . . . 14, 19
UMB Financial Corp. . . . . . . . . . . 16, 21
UnionBanCal Corp. . . . . . . . . . . . 15, 21
USAA Federal Savings Bank . . . . . . . . 15
Webster Financial Corp. . . . . . . . 17, 21
Wells Fargo Bank . . . . . . . . . . . . . 14, 19
Wilmington Trust Corp. . . . . . . . . . . . 16
Zions Bancorp. . . . . . . . . . . . . . . 16, 21
INDEX INDEX
atm
debit
NEWS
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847-933-5180
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212-803-8763
SourceMedia Inc.
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ATM&Debit News (ISSN: 1063-4428) is published weekly, except
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2009 SourceMedia and ATM&Debit News.
All rights reserved.

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Source: ATM&Debit News. Totals in millions.

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