Illinois Department of Financial & Professional Regulation Illinois Department of Financial & Professional Regulation
Mario Treto, Jr., Secretary  
JB Pritzker, Governor
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Non-Bank Owned ATMs
Memorandum to ATM Owners - End of Microsoft Support for Windows XP in ATMs

Key Agency Contacts for the Non-Bank owned ATMs

Consumer Notice
If you conduct a transaction at an ATM that promises a certain surcharge via a sign on the machine or on the terminal screen, like $1.50, but when you review your account statement you discover that the surcharge was actually higher than promised, like $1.75, then please send an email to and indicate 1) the ATM owner’s name, 2) the location of the ATM (address, city, zip), 3) the ATM’s serial number (if one can be found), 4) any contact information that is on the ATM and 5) any other information you find important.

Frequently Asked Questions   ATM Locators
What is a Non-Bank Owned ATM?   SHAZAM ATM Locator - SHAZAM is a regional ATM network in the United States
Who can own a Non-Bank Owned ATM or a Cash Dispensing Only ATM?   Star Network - Search for over 20,000 Star ATMs
What are the rights and responsibilities of an Owner of a Non-Bank Owned or a Cash-Dispensing Only ATM?   Pulse ATM Locator - Use this ATM locator to find ATMs and bank machines closest to your location.
    MasterCard ATM Locator - Over 820,000 ATMs in over 120 countries, with a MasterCard®, Maestro® or Cirrus® ATM.
ATM Registration Form   Visa ATM Locator - Use this ATM locator to find ATMs and bank machines closest to your location.
Notice of Establishment or Ownership of a Cash Dispensing Terminal (PDF - Click Here for Word Version)
PLEASE NOTE: These documents have been updated - all prior versions are obsolete.
  American Express ATM Finder - Use this search to find the nearest Express Cash ATM.
Terminal Registration Spreadsheet   NYCE ATM Locator - To locate an ATM that participates in NYCE, you can search by financialinstitution or by city and state.
    MetaBank - Nearly 11,000 ATM’s for your financial needs, this link provides a listing of terminals by city in Illinois.
Registration Fee   Non-Bank Owned ATM Locator
There is no fee  
Illinois Statutes
Act 616 -- Electronic Fund Transfer Act - This act governs electronic fund transfers in this State. It defines who may establish cash-only ATMs and who may establish both deposit-taking and cash-only ATMs. It also defines certain terminal requirements.
Act 695 -- Automated Teller Machine Security Act - This Act requires that an ATM operator comply with certain safety requirements (i.e. lighting) concerning the establishment and maintenance of ATMs in Illinois.
Federal Law and Regulations
An ATM establisher in this state must comply with the federal law and regulation dealing with automated teller machines. Section 55 of Illinois’ EFT ACT, 205 ILCS 616/55, adopts as part of Illinois law the federal EFT and federal regulation E, which was promulgated pursuant to the federal EFT.
Federal Electronic Fund Transfer Act, 15 U.S.C., Ch. 41, Sub Cat. VI.
Federal Reserve Board Regulation E, 12 C.F.R. Part 205
It is the purpose of the Act and the Federal Reserve Board Regulation to provide a basic framework establishing the rights, liabilities, and responsibilities of participants in electronic fund transfer systems. The primary objective of the Act and the Federal Reserve Board Regulation, however, is the provision of individual consumer rights.

The hyperlinks to institution Internet sites are provided solely as a convenience to users of the IDFPR Internet site.  IDFPR has made a limited effort to determine that these links function properly.  However, linked sites are not under the control of IDFPR, and IDFPR is not responsible for the contents of any linked site, or any link contained in a linked site.  Even if you access an institution’s site by means of the link provided by IDFPR, you are responsible for confirming the identity and authenticity of any institution you visit and transact business with online.  The inclusion of a link does not imply or constitute an endorsement by IDFPR of the institution, its ownership or management, the products or services it offers, or any advertisers or sponsors appearing on the institution’s web site.

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