Cirlan encoded stolen, unactivated American Express gift cards with the skimmed bank account information and used them to make cash withdrawals, court officials said.
Lawrenceville police caught Csapay, Bacian and Drasovian while they were trying to remove skimming equipment from an ATM on July 26, 2008.
Bacian and Csapay were arrested, and Cirlan was subsequently arrested in Tennessee. He remains in custody there on unrelated federal identity theft charges.
Drasovian remains at large, court officials said, and is believed to be in Romania.
Sentencing has not been scheduled, but Bacian and Csapay could face up to 22 years in prison, followed by deportation from the United States.