FCTI, Inc.

FCTI, Inc. is an independent provider of automated teller machines (ATMs) and ATM-related financial technology services across the United States. The company focuses on advanced ATM placements, operations, and in‑transaction advertising solutions for banks, credit unions, retailers, and brands, and it operates thousands of machines in high‑traffic retail locations such as convenience stores and gas stations. FCTI is a wholly owned subsidiary of Seven Bank, Ltd. of Japan, and leverages its parent’s expertise to expand ATM services and consumer cash access in the U.S. market.

A charge or descriptor like “USBFCTICHAR” on a card or bank statement usually indicates that you used an ATM operated by FCTI and processed through U.S. Bank’s network, often at a convenience store or other non‑bank location. The amount may represent a cash withdrawal, an associated surcharge, or a balance inquiry/denied transaction fee. In some cases, you might see multiple related line items—such as the withdrawal amount plus a separate surcharge—or a temporary pending amount that later adjusts when the transaction finalizes.

If you don’t recognize this charge, first match the date and amount with any recent cash withdrawals, especially at 7‑Eleven or other retail ATMs. Check your ATM receipt if you kept it, or your bank’s mobile/online banking for the ATM’s location details. If something appears incorrect, contact your bank or card issuer promptly to dispute the transaction; they control your account and can initiate investigations and provisional credits. You can also contact FCTI’s customer service via their website for ATM-specific issues (such as cash dispensed errors or failed receipts), but any formal dispute over charges must go through your financial institution.