South Carolina Federal Credit Union has come a long way since the 1930s when a group of shipyard workers founded a credit union for fellow employees at the Charleston Navy Yard. Now a community-chartered credit union open to all, South Carolina Federal stands among the 100 largest in the U.S., with more than .4 billion in assets and over 150,000 members. Member-focused service has remained a constant through seven decades of change and growth. After years of outsourcing the management of its 80 automated teller machines, South Carolina Federal needed more flexibility to deliver electronic services to credit union members at its ATMs. Outsourced ATM management did not lend itself to customizing service at the cardholder level.