Fidelity National Information Services (FIS)

Financial Services85% confidence

Fidelity National Information Services (FIS) is a global financial technology company that provides payment processing, core banking systems, and related services to banks, credit unions, merchants, and governments. The “POS Withdrawal (FIS)” wording on a statement usually indicates a debit card or ATM cash transaction processed over FIS’s systems on behalf of a bank or ATM owner.

Jacksonville, Florida, United States
fisglobal.com

About Fidelity National Information Services (FIS)

Fidelity National Information Services (commonly known as FIS) is a large U.S.-based financial technology company that supplies core banking software, card and ATM processing, payment networks, and other infrastructure used by banks, credit unions, merchants, and governments worldwide. FIS runs platforms that move card payments, ATM withdrawals, ACH transfers, and other transactions, handling tens of billions of transactions annually for more than twenty thousand clients.([fisglobal.com](https://www.fisglobal.com/?utm_source=openai))

On card and bank statements, a line like “POS Withdrawal (FIS) NEWARK MUNICIPA 25501 W VALLEY PKWY OLATHE KS(3529)” typically means your debit card or ATM withdrawal was routed and settled by FIS, while the text around it (such as “NEWARK MUNICIPA”) is the institution or ATM/location name and the address is where that ATM or host organization is registered in the processor’s system. The charge itself usually represents a cash withdrawal, a cash-back transaction at a point-of-sale terminal, or possibly a related surcharge fee, rather than a purchase directly from FIS. In many cases, the consumer’s actual financial relationship is still with their own bank, which uses FIS as its behind-the-scenes processor.([fisglobal.com](https://www.fisglobal.com/products/fis-payments-one-debit-suite/fis-atm-processing?utm_source=openai))

If you have questions about this charge, the best starting point is your bank or card issuer, since they can see full transaction details (including terminal ID and the financial institution or ATM owner FIS processed for). You can also compare the date and amount against ATM receipts or recent cash withdrawals you made, and check nearby ATM or merchant locations matching the city name shown. If the transaction still looks unfamiliar, contact your bank immediately to dispute or block the card; they can, in turn, work through FIS’s processing records if needed. For suspected fraud, your bank can cancel the card, issue a new one, and initiate an investigation using the processor’s data, while you monitor your statements and online banking for additional unauthorized activity.

Bank Statement Variations

3 known variations

These are the raw merchant codes that appear on bank and credit card statements that we've identified as belonging to Fidelity National Information Services (FIS).

  1. POS Withdrawal (FIS) NEWARK MUNICIPA 25501 W VALLEY PKWY OLATHE KS(3529)
  2. POS Withdrawal (FIS) SP POST ROAD AR 1 Boston Post Rd E MARLBOROUGH MA(1810)
  3. POS Withdrawal (FIS) WEST ORANGE MU 25501 W VALLEY PKWY OLATHE KS(3529)

Frequently Asked Questions

What does a “POS Withdrawal (FIS)” charge mean on my statement?

A “POS Withdrawal (FIS)” entry usually indicates a debit card or ATM cash withdrawal that was processed over FIS’s payment network. The wording in parentheses identifies the processor (FIS), while the other text (such as an institution name and address) points to the ATM owner, merchant, or location where the transaction occurred.

Is a charge with “POS Withdrawal (FIS)” a direct charge from FIS or from my bank/ATM?

In most cases the charge is not a direct consumer purchase from FIS; it is a transaction your bank or card issuer processed through FIS’s systems at an ATM or point-of-sale terminal. Your actual counterparties are your bank and the ATM owner or merchant shown in the descriptor, with FIS acting as the underlying processor.

Why is the location listed as something like “NEWARK MUNICIPA 25501 W VALLEY PKWY OLATHE KS(3529)” when I don’t live there?

Processor descriptors often use the registered address of the ATM owner, sponsoring institution, or processor facility, which may differ from the physical ATM where you withdrew cash. For example, 25501 W Valley Pkwy in Olathe, KS is associated with multiple financial and service entities that use that address for registration and processing rather than as a consumer-facing branch.

Could a “POS Withdrawal (FIS)” be an ATM surcharge or fee rather than the withdrawal itself?

Yes. Some institutions post the withdrawal amount and any ATM surcharge or convenience fee as separate line items, both processed through FIS. You might see a larger withdrawal amount and a smaller separate fee close together in date and time; both will typically reference FIS or the same ATM/location.

How can I verify which ATM or merchant my FIS-processed withdrawal took place at?

Match the date and amount on your statement to any ATM receipts you saved, and review the descriptor text for clues such as a city name, institution name, or “Municipal,” “Credit Union,” or store name. If it’s still unclear, contact your bank or credit union and ask them to look up the transaction details; they can see the terminal ID, network information, and ATM owner recorded in FIS’s processing logs.

What should I do if I don’t recognize a POS Withdrawal (FIS) transaction?

First, confirm that no one else on your account (such as a joint account holder or authorized user) made the withdrawal. If no one recognizes it, immediately call the number on the back of your debit card or visit your bank branch to report potential fraud. Your bank can freeze or replace your card, initiate a dispute, and use information from FIS’s systems to investigate the transaction.

Can I contact FIS directly to dispute or refund a POS Withdrawal (FIS) charge?

Consumers typically cannot resolve disputes directly through FIS because FIS provides processing services to financial institutions rather than retail banking to individuals. Disputes, refund requests, and fraud claims should be initiated through your bank or card issuer, which will then work with FIS and the ATM owner or merchant if additional data is required.

How can I reduce the chance of unexpected POS Withdrawal (FIS) charges in the future?

Use ATMs operated by or partnered with your own bank to minimize unfamiliar descriptors and surcharge fees, enable transaction alerts in your mobile banking app, and regularly review your statements. If you ever lose your card or suspect your details were compromised, have your bank immediately block the card so that new FIS-processed ATM or POS withdrawals cannot be made with it.

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