Members Atm Alliance, Llc

What Members Atm Alliance, Llc does

Members ATM Alliance, LLC (MAA) is a privately held Credit Union Service Organization (CUSO) headquartered in Tallahassee, Florida, founded in 2007 and operating with 11-50 employees. MAA is collectively owned by its member credit unions and operates in core partnership with Fiserv, which provides the underlying transaction switching, processing technology, and access to the MoneyPass network of more than 37,000 surcharge-free ATMs nationwide. The company sells outsourced ATM processing and management services exclusively to US credit unions, positioning itself as a full-service alternative to in-house ATM operations.

MAA's product is an integrated suite of thirteen service modules delivered as a single managed offering: terminal driving, transaction switching and communications, monitoring and dispatching, first-line maintenance, hardware and software maintenance, cash management and balancing, deposit processing (cash and check), compliance services covering PCI, EMV, and ADA, dispute processing, marketing support, custom ATM branding, and surcharge-free network access. The underlying technology stack is provided by Fiserv rather than developed in-house by MAA; the company's proprietary contribution is the integration layer, operational workflows, fraud prevention software, and physical security controls (including KABA MAS locks and deposit-fraud detection) wrapped around that infrastructure. All managed ATMs are Windows-based, 100% PCI, EMV, and ADA compliant, and support both standard cash dispensing and full-function depository configurations.

MAA generates revenue through managed-services fees on multi-year contracts with credit union customers. Pricing is quote-based and not publicly disclosed; the company markets against the industry benchmark of approximately $2,200 per ATM per month in operating cost and 300+ hours per year in management time, claiming credit unions achieve 30%-70% savings through outsourcing. The go-to-market is sales-led and relationship-driven, targeting credit union CEOs and Presidents through direct outreach, the company website, case studies, and member-led referrals inherent in the CUSO ownership structure. Credit unions may outsource entire fleets or selected ATMs, and asset transfer options allow contribution of existing ATMs into the MAA fleet.

Name

Members Atm Alliance, Llc

Legal name

Members Atm Alliance, LLC

Website

https://membersatm.com

Company type

Private

Founded year

2007

Operating status

Operating

Headcount range

1–10 employees

Short description

Members ATM Alliance is a credit-union-owned CUSO that provides outsourced ATM processing, compliance, and fleet management services to US credit unions, operating in partnership with Fiserv to deliver integrated managed services across a nationwide surcharge-free network.

Ownership category

akta.pro rank

Product category

ATM Management Services

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)

SIC

Finance Services (6199)

akta.pro primary industry

ATM Deployers & Managed ATM Services (IAD/ISO) (FSAMAOAC)

akta.pro secondary industry

ATM / Cash Access Network Schemes (FSAMAAAH)

Keywords

• ATM processing services
• Credit union services
• Cash management services
• ATM fleet management
• Surcharge-free network

Headquarters

HQ city

Tallahassee

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales

Revenue model

1. ATM Management Services: Full suite of ATM processing and management services provided to credit unions on an outsourced basis. Credit unions pay for the managed service to eliminate their operational costs of $2,200 per ATM per month and 300+ hours per year in management time. Revenue is generated through service fees that result in 30-70% savings for credit unions compared to self-management.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

Members ATM Alliance (MAA) is a Credit Union Service Organization (CUSO) that provides outsourced, full-service ATM processing and management to credit unions. The company handles every operational aspect of running an ATM fleet on behalf of its member credit unions, including terminal driving, transaction switching, monitoring and dispatching, hardware and software maintenance, cash management and balancing, deposit processing, compliance (PCI/EMV/ADA), dispute processing, and marketing support. Operations are delivered in partnership with Fiserv, giving members access to the MoneyPass surcharge-free ATM network of more than 37,000 locations nationwide.

Product overview

Members ATM Alliance operates as a unified full-service ATM management platform that delivers an integrated suite of services to credit unions. The core offering encompasses 13 interconnected service modules: Terminal Driving, Transaction Switching & Communications, Monitoring & Dispatching, First Line Maintenance, Hardware Maintenance, Software Maintenance, Cash Management and Balancing, Deposit Processing, Compliance Services, Dispute Processing, Marketing Support, ATM Branding, and Surcharge-Free Network Access via the MoneyPass network. These services are delivered together as a comprehensive outsourced ATM management solution, with the company operating in partnership with Fiserv to provide technology infrastructure and network connectivity.

Differentiator

Problem solved

Functional benefit

Products and services

• Full-Service ATM Management

Quantifiable outcome

• 30-70% savings in ATM operating costs compared to self-management
• +3 more outcomes

Named customers5 records

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

One partnership is on record.

• FiservcoreTechnology or IntegrationMAA operates in partnership with Fiserv for ATM processing infrastructure. Through this partnership, MAA provides credit union members with surcharge-free access to over 37,000 ATMs nationwide through the MoneyPass network. Fiserv provides the transaction switching, processing technology, and network infrastructure that enables MAA's ATM management services.

Scale indicators5 records

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• Fiserv: Fiserv is MAA's core technology and network partner, providing transaction switching, processing, and the MoneyPass ATM network. Also serves credit unions directly with core processing and digital banking. Comparable as a broad incumbent, though MAA sits on top of Fiserv infrastructure rather than competing head-to-head.
• Diebold Nixdorf: Diebold Nixdorf is a major global provider of ATMs, point-of-sale terminals, and associated managed services to banks and credit unions. Comparable to MAA as a broad incumbent offering both ATM hardware and managed services for financial institutions.
• NCR Atleos: NCR Atleos is the largest ATM manufacturer and managed-services operator globally, spun out of NCR. Provides ATM hardware, software, and outsourced operations to financial institutions. Comparable to MAA as a broad incumbent offering full-stack ATM services, though at much larger scale.
• Jack Henry & Associates: Jack Henry provides core processing, digital banking, and payments technology to credit unions and community banks. While not directly in ATM management, it competes for the same credit-union IT budget and increasingly bundles ATM and ITM capabilities into its platform.
• FIS (Fidelity National Information Services): FIS is one of the largest financial technology providers globally, offering core processing, card services, and ATM/network services (via the SHAZAM EFT network) to credit unions and community banks. Comparable to MAA as a broad incumbent in credit union-facing technology and ATM infrastructure.

Direct peers

• ATM USA: ATM USA provides ATM placement, management, and processing services to credit unions, banks, and retailers nationwide. Directly comparable to MAA as a managed ATM services provider targeting credit unions and community financial institutions.
• CO-OP Financial Services: CO-OP Financial Services is the largest credit union CUSO, providing ATM, shared branching, debit, and payments services to thousands of credit unions. Directly comparable to MAA as a credit-union-owned services organization competing in ATM processing and management for the same customer base.
• Payment Alliance International: Payment Alliance International provides outsourced ATM management, cash handling, and ATM placement services to financial institutions, including credit unions and community banks. Directly competes with MAA in managed ATM services with a similar outsourced-everything value proposition.

Others

• CUSO Financial Services: CUSO Financial Services is a Credit Union Service Organization providing investment, insurance, and advisory solutions to credit unions. Comparable to MAA as a CUSO structure serving credit unions, though it operates in a different product vertical rather than ATM management.

Regional players

• Shazam (an FIS company): Shazam is a US EFT and ATM/PIN-debit network historically rooted in the Midwest credit union market. Comparable to MAA as a network providing surcharge-free and ATM processing services to credit unions, though it is a network/utility rather than an outsourced fleet operator.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/members-atm-alliance

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Members Atm Alliance, Llc