news.cuna.org/articles/109279-dolphin-debit-assists-cus-with-atm-transition-to-emv

Dolphin Debit assists CUs with ATM transition to EMV

February 1, 2016

HOUSTON (2/1/16)--Dolphin Debit, an ATM management company, is helping credit unions and banks with the transition of their ATMs to read EMV chip cards ahead of the coming October industry deadline for ATM compatibility with the new cards.

With many credit union members already receiving new chip cards, Dolphin Debit anticipates confusion among those members when they start assuming the cards will work in the same manner at non-EMV ready ATMs.

"Some ATMs are already compatible with the new cards, but the vast majority are not," said Gary Walston, co-founder of Dolphin Debit. Walston noted that Dolphin Debit is converting the fleet of ATMs it operates for credit unions and banks, and will have the conversion complete well in advance of the October deadline.

But in the meantime, Walston said, user confusion will center around the way the cards are inserted, since chip card readers require that the cardholder leave the card in the device until instructed to remove it. As cardholders get used to that technique at more retailers, they may get frustrated when most ATMs haven't moved away from the traditional “dip” technique, Walston said.

Dolphin Debit has prepared a video and other material to aid credit unions in educating their members, Walston said. Dolphin Debit is also equipping its ATMs with user-friendly signage to let cardholders know if the ATM is compatible with chip cards.

"Even though it seems like a minor issue, the non-converted ATMs are going to lead to some frustration for cardholders," Walston said.