AMOCO Federal Credit Union has selected Dolphin Debit to manage its 19 ATMs.


While AMOCO FCU is one of Dolphin Debit’s newest clients, the 81-year-old Texas City-based credit union, with more than 90,000 members and over $1 billion in assets, has been working with Dolphin since late 2017.

“Before I was over ATMs, I never knew how much work went into them,” said Ashley Carner, chief operations officer at AMOCO FCU. “Machines constantly need attention and third-party maintenance and cash vendors need to be managed. They take a lot of staff time to manage when we should be spending that time serving our members.”

According to the company, AMOCO FCU looked into outsourcing its entire ATM fleet, with Carter stating, “Dolphin Debit gave us exactly what we were looking for.”

The SEG-based credit union deploys its ATMs at its 10 branches and at SEG partner sites, such as colleges and hospitals, the company said.

“We couldn’t be happier now,” Carner said. “I know someone else is always watching my ATMs. Dolphin Debit proactively reaches out to us, alerting us to any possible ATM problem before our members tell us. We’ve never had a partner do that for us, and it really improves the member experience.”

An ‘Easy Yes’

AMOCO FCU said it is now talking with a local community partner about adding another Dolphin-managed ATM.

“It is an easy ‘yes’ for me this time,” said Carner. “Before, I would have been adamantly opposed to managing another ATM. Now we just call Dolphin Debit.”Added Dolphin Debit Co-Founder Gary Walston, “Not everybody feels as strongly about their ATMs as Ashley Carner does, but managing them is still a major headache for so many credit unions. That is why we do what we do, to free o