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Signage required on depository ATMs

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Question: 
What signage is required on depository ATMs?
Answer: 

Under federal rules, each of the following is required:

  • A modified Regulation CC notice about funds availability, based on Model Notice C-19: "Funds from deposits may not be available for immediate withdrawal. Please refer to your institution's rules governing funds availability for details."
  • If deposits are removed from the machine to be processed on a delayed basis, a notice based on Model Notice C-20: "Deposits at this ATM between (day) and (day) will not be considered received until (day). The availability of funds from the deposit may be delayed as a result."

Either of those notices can appear on or at the machine, or on the screen during the deposit process (before the deposit is committed to the machine), or, if an envelope has to be used for deposits, on the envelopes supplied at the machine.

  • There also has to be a surcharge notice on the screen (or a separate piece of paper) delivered during a transaction or balance inquiry using a card issued by other than the ATM operator if the ATM operator or network will impose a fee on the cardholder. This notice must be provided at a time the cardholder can, and with instruction for the cardholder on how to, cancel the transaction without incurring the fee.
  • It's a best practice to include a notice on the machine or screen warning that a transaction may result in an overdraft and incur a fee.
  • There are typically contractual requirements that the logos of ATM and card networks accessible through the machine be displayed.
  • There may also be state requirements.

First published on 03/27/2016

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