New ADA ATM Requirements

New ADA ATM Requirements

Compliance. New ATM Regulations. EMV. ADA. New ATM Banking Regulations.

Under federal law, ATMs must be ADA compliant by March 15, 2012. Any ATM that does not meet ADA standards by the 2012 deadline could result in a civil penalty of up to $55,000 for a first offense and double that amount for subsequent offenses. The ADA compliance standards can be defined within the simple bullet points below:

Height and Reach.

The controls for the ATM machine need to be within reach of the user, between 15 and 48 inches from the floor.


The ATM must be accessible and free from obstructions.

Floor Space.

A clear space in front of the ATM must be a minimum of 48 inches deep and 30 inches wide.


ATMs must enable speech to individuals with vision impairments.Input Controls. Controls must be tactilely discernible for each function.

Numeric Keys.

The number keypads must be arranged in 12-key ascending or descending order, similar to a telephone keypad layout.

Function Keys.

Function keys must contrast visually from any background surfaces.Display Screen. The ATM monitor must be visible and less than 40 inches from the floor.Braille. Braille instructions to begin speech mode must be included.

EMV LIABILITY SHIFTWhy it pays to adopt new technologyEMV chip technology is rolling out to consumers and merchants in the United States.

Visa chip cards protect in-store payments by generating a unique, one-time code needed for the transaction to be approved. This feature makes it virtually impossible to counterfeit cards, helping to eliminate in-store fraud.On October 1, 2015 in-store counterfeit fraud liability shifts to the party- either the Financial Institution or the merchant – that has not adopted chip technology. If a purchase is a counterfeit transaction using a chip card, but the merchant does not have EMV enabled hardware, the merchant is liable for the counterfeit fraud. Liability for ATM transactions shifted in October, 2017. When magnetic stripe cards are used at a magnetic strip terminal, the liability for counterfeit fraud falls on the issuer.

What is EMV?

EMV is a payment method based upon a technical standard for smart payment cards and for payment terminals and automated teller machines that can accept them. EMV cards are smart cards (also called chip cards or IC cards) that store their data on integrated circuits in addition to magnetic stripes (for backward compatibility). These include cards that must be physically inserted (or "dipped") into a reader and contactless cards that can be read over a short distance using near-field communication (NFC) technology. Payment cards that comply with the EMV standard are often called Chip and PIN or Chip and Signature cards, depending on the authentication methods employed by the card issuer.EMV stands for Europay, MasterCard, and Visa, the three companies that originally created the standard. The standard is now managed by EMVCo, a consortium with control split equally among Visa, MasterCard, JCB, American Express, China UnionPay, and Discover.

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