When it comes to ATM-related headaches, Tony Black, president of Baylor College of Medicine Federal Credit Union, has experienced a few migraines.

"We were sued once for allegedly not having a [fee disclosure] sticker on an ATM and we also had an ATM stolen out of the lobby of an office building," Black, president of the $37 million, Houston-based institution, said.

After those harried incidents, BCM eradicated its ATM woes by partnering with a third-party provider.

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