What We Do

Dolphin Debit Access provides financial institutions with a more efficient alternative to in-house ATM management. We provide complete, worry-free ATM network services covering every aspect of ATM management, from site prep and equipment procurement to system updates and cash management.

We are ATM management specialists with decades of experience. It’s what we do best; which leaves our client free to focus on what they do best: running successful financial institutions.

Benjamin Allen

Benjamin Allen brings more than twenty years of banking and ATM/EFT experience to Dolphin Debit. Prior to co-founding Dolphin Debit, he worked as a senior executive at Innovus—a leading ATM operator and ATM processing company—where he was responsible for M&A and strategic partnerships. Mr. Allen’s background also includes twelve years of corporate finance experience with Lehman Brothers and Merrill Lynch, along with a Masters Degree in Economics from The Johns Hopkins University and a Bachelors Degree in Finance from Texas A&M.

Gary Walston
Chief Executive Officer

Gary Walston co-founded Dolphin Debit with more than twenty-two years of experience in the ATM/EFT industries. His professional background includes time as a senior executive at Momentum Cash Systems, where he was responsible for creating several new initiatives, including ATM outsourcing programs and surcharge-free ATM networks. Mr. Walston also brings extensive experience in sales and marketing to the table, which incorporates his experience in founding an ATM advertising company and his work with community bank account acquisition strategies at FISI Madison. He received a BBA in Marketing from The University of North Texas. Gary was a 2016, 2017 and 2018 finalist for EY Entrepreneur Of The Year. ®


Dea Lukac
Chief Operations Officer

Dea Lukac has over 28 years of financial services experience. Her corporate experience includes senior management positions with major regional and national banks and corporations including Dollar Bank, PNC Bank, Innovus and Dolphin Debit. With a specialization in ATM Banking, EFT processing and Legal Studies, Ms. Lukac has successfully integrated her business acumen, and organizational and management skills with her ability to bring internal and external resources together to achieve unmatched results. Her unique combination of skills and experience helps organizations and individuals focus, set short-and long-term goals, navigate challenging situations while staying on-point to maximize potential and profits. Dea Lukac holds a bachelor’s degree from Point Park College in Legal Studies. She also holds Associate degrees from Erie Community College and Duff’s Business Institute in Banking and Real Estate. 

Toby Salsman
Chief Technology Officer

Toby Salsman has more than 15 years of executive leadership experience in the financial services industry and more than 20 years in information technology. Toby currently oversees all technology at Dolphin Debit Access including ATM operating systems, software, application development, transaction processing, and advanced ATM functionality related to image capture and remote tellers. He was previously Senior Vice President of Payments & Technology for Columbus Data Services, where he architected and managed an active/active payments processing platform which drove over 100,000 ATMs, across 400 financial institutions, and over 50 million transactions monthly.  During his time at Columbus Data Services, he also led information services, data warehousing, business intelligence, online transaction processing, and payments support operations. Earlier in his career, he had lead developer and system administrator roles at the U.S. Court of Appeals Fifth Circuit, Appro Software, and First NBC. He has a degree in computer science from the University of New Orleans.

Joe Woods
SVP - Director of Sales

Joe Woods has spent 20+ years serving the financial services industry. During his tenure in the industry, Joe has worked for several organizations including Dun & Bradstreet and Liberty Enterprises. Joe was AVP and Director of Sales for Corporate One FCU and co-founded Legacy Member Services in 2009, an organization that now serves over 1,200 clients. Most recently, Joe served on the senior management team at CU24, a payments network CUSO. During his time at CU24 Joe grew the sales organization and revenue over 50%. Joe has written numerous payments-related articles and has spoken at various conferences throughout his career. In 2016, Joe received the Credit Union Development Educator (CUDE) certification from the National Credit Union Foundation. Joe lives in Columbus, Ohio with his wife Sharon and their three children.

Jenni Ayres

Jenni Ayres has over 23 years of accounting and management experience. She spent 8+ years of her accounting career in public accounting with both national and regional firms including Price Waterhouse and Ernst & Young. These years were spent in audit, tax and consulting. After leaving public accounting, she has worked in accounting supervisory and management roles for several businesses in the financial, legal and management consulting services arenas. She has been instrumental in process improvement and data integration projects in her roles as accounting manager and controller. She received a BBA in Accounting from Texas Tech University and a Masters in Educational Leadership from Lamar University.

Who we Work With

Sabine Federal Credit Union

It took a decade, but eventually Sabine Federal Credit Union moved all of its ATMs over to management by Dolphin Debit. A 2006 experiment kicked off a relationship that grew and thrived and kept paying off for the credit union. And then in early 2017, Sabine FCU at last completed its transition to Dolphin Debit, the full-service ATM management company.


To read the full case study, click below.

Memorial Credit Union

It was the challenge of keeping up with regulations that initially convinced Memorial Credit Union of Houston to get out of the ATM business in 2014. Three years later, the credit union reflects on that as a smart decision, for many reasons.

To read the full case study, click below.

First Service Credit Union

When First Service Credit Union of Houston started working with Dolphin Debit eight years ago, the credit union had some very specific ATM objectives. It was looking to expand its influence and do it as cost-effectively as possible.

To read the full case study, click below.


Statewide Federal Credit Union

After owning and operating its own ATMs for some 25 years, Statewide Federal Credit Union in Mississippi finally decided that the hassles of maintenance, updates, and compliance just weren’t worth it anymore.

To read the full case study, click below.


Community Resource Credit Union

ATMs are a strategic product for Community Resource Credit Union of Baytown, Texas. An ATM’s small footprint allows the credit union to expand its market presence without having to invest in new branches.

In the last eight years, Community Resource has built a community presence through strategically placed ATMs. The machines are more than a convenience tool …

To read the full case study, click below.

Commercial Bank of Texas

For Commercial Bank of Texas, highly visible ATMs in high-traffic areas have quickly given the bank a stronger presence in new markets and paved the way for an increasingly successful expansion.

The bank, headquartered in Nacogdoches in east Texas, focused on local business for most of its 113 years. But in the past few years, it has expanded into north Texas …

To read the full case study, click below.


Danny Burton

Senior Vice President and CIO, Sage Capital Bank

“We had an aging fleet of ATMs and all of them needed Windows 10 upgrades. We did explore other vendors, but with Dolphin Debit’s pricing and contract terms, and our …

Trent Wright

President and CEO, Idaho Bankers Association

“Dolphin Debit is known for outstanding service and operation of ATMs for hundreds of financial institutions across the country. The IBA is proud to have Dolphin Debit on board as an Associate …

Denise Bailey

Manager, United Northwest Federal Credit Union

“We aren’t open on Saturdays, and we close at 4 p.m., so the ATM is getting used a lot. Members are very happy they have more access to their cash.”