Q. How quickly can we get started?

A. Right away. In most cases, we can set up your financial institution within one week of contract execution.

Q. What is involved in the set up?

A. We need your Bank Identification Numbers (BINs) associated with your institution.s debit and ATM cards. We suppress those BINs at the terminal processor level to eliminate the surcharge for your customers.

Q. How do we inform our customers about our participation in the Toll-Free ATM Network and the available locations?

A. Momentum Cash Systems will assist in the implementation and promotional effort. Our expert staff will create a success strategy that includes marketing materials (banners, posters, tent cards, lapel buttons, statement inserts, postcard mailers, etc.), staff training and program kick-off support.

Q. What if we are in the middle of a conversion?

A. No problem. Our program does not interface with your system. There is no need for any additional backroom operations. Today, your customers are using foreign ATMs.even during a conversion. Our ATMs operate and process just like any other foreign transaction that comes through your system.

Q. Will my financial institution need to re-issue cards?

A. No. The Toll-Free ATM Network is completely independent from your financial institution.s backroom and card processing systems. We are simply providing surcharge free cash withdrawals for your cardholders at OUR ATMs.

Q. Will other financial institution.s customers be able to use my institution.s ATMs for surcharge free cash withdrawals?

A. No. The program is designed to utilize ATMs owned or processed by Momentum Cash Systems. However, in the course of business, Momentum may own and/or operate branch ATMs that may or may not be part of the Toll-Free ATM Network.

Q. How does your network interact with our ATMs?

A. It doesn.t. Our network is completely independent and does not involve your existing ATMs.

Q. How does your program affect interchange?

A. Interchange fees will continue to be established and assessed by the EFT Networks. Your participation in the Toll-Free ATM Network will not change how those fees are administered.

Q. How will you bill my financial institution?

A. Premium ATM locations will be billed on or around the fifteenth (15th) day of each month for the coming month.s access fee. Network ATM locations will be billed on or around the thirtieth (30th) of each month for activity performed in the prior calendar month.

Q. Does Momentum charge us for non-monetary transactions at Toll Free ATMs?

A. No. Transaction fees only apply on monetary cash withdrawals from Toll-Free ATM locations.

Q. Who processes the ATM transactions?

A. Core Data of Amarillo is our terminal transaction processor. Core Data is directly connected to the Pulse network and is Pulse.s largest client, driving over 30,000 terminals.

Q. Can my kids get surcharge free cash withdrawals when they are away at college?

A. Yes, if they use a participating Toll-Free ATM Network location in their city. The Toll-Free ATM Network includes hundreds of ATMs in cities across Texas and the United States.

Q. Does the Toll-Free ATM Network reach beyond Texas?

A. Yes. Momentum Cash Systems owns or processes over 3,000 ATMs in 23 states. We are continually adding ATMs to the Toll-Free ATM Network by qualifying locations for program participation.

Q. Is Toll-Free ATM Network exclusive?

A. No. The Toll-Free ATM Network is available to any financial institution wishing to join.

Q. What type of ATMs are in the network?

A. Cash dispensers with the capability of cash withdrawals, balance inquires and transfers.

Q. Who manufactures the ATMs?

A. We utilize equipment from the top ATM manufactures such as Diebold, NCR, Tidel, Triton and Tranax (Formerly Cross).

Q. Is this a co-op?

A. No. Our program is completely independent and utilizes ATMs owned or processed by Momentum Cash Systems. We do not ask, nor require any participating financial institution to contribute their proprietary ATMs to the Network.

Q. What if we already belong to a .Surcharge-Free. ATM Co-op such as Pulse.s Select ATM?

A. Your financial institution can participate in both programs. Our program does not compete with any .Surcharge-Free. co-op or alliance.it only enhances it. Our program is completely independent.

Q. How does your program differ from some of the current co-op offerings?

A. Our program does not incorporate your financial institution.s ATMs. Your institution will not give up any existing surcharge revenue from your own ATMs. Toll-Free ATMs are all located in convenient, easy to find, retail locations that provide your members with surcharge free access to their cash wherever they may live, work or play.