Safe Access to Cash Act of 2025

This bill updates federal bank robbery law to clearly cover ATM crimes. It defines what counts as an ATM and says any ATM—and the cash being delivered to it or taken out of it—is legally in the custody of a bank, credit union, or savings and loan, even if the machine is off-site or run by a third party. This means robbing, stealing from, or attacking an ATM or its cash is treated like robbing the bank under federal law.

Key points:

• What changes: ATMs and the cash being loaded or unloaded are treated as being in the bank’s care for purposes of federal bank robbery laws, no matter where the machine is or who operates it.
• What counts as an ATM: A network-connected machine that lets customers use a card or access device to withdraw, deposit, or check balances, including machines owned, operated, or sponsored by banks or credit unions.
• Who is affected: Banks and credit unions, ATM operators and service crews, law enforcement, and anyone using or targeting ATMs.
• When: Takes effect upon becoming law (no special timeline noted in the bill text).