What is a surcharge-free ATM?\r\nWhen you use an ATM outside of your financial institution's network there may be two fees assessed - an access\u00a0fee by your financial institution and the surcharge fee\u00a0imposed by the ATM owner.\r\n\r\nFor example, you can withdraw money from your financial institution's ATMs without paying\u00a0fees. You can also choose to withdraw money from a different ATM such as one found in a convenience store, gas station or another bank which may add\u00a0a surcharge fee by the\u00a0ATM owner. A surcharge-free ATM will not assess a\u00a0surcharge by the ATM owner.\r\nCredit Union Surcharge-free ATM Networks\r\nMany credit unions do not assess a fee to access your money from ATMs owned by other financial institutions or companies. However, the ATM owner may assess a surcharge for using their ATM. To avoid the surcharge, credit unions join large ATM networks that offer their members convenient surcharge-free ATM access. The ATM owner fees are paid by your credit union to provide an additional level of convenience.\r\n\r\nFor example, you used\u00a0your credit union debit\/ATM card to withdraw money at an ATM owned by another credit union. Your credit union may not charge you a fee but the other credit union (ATM owner) may assess a surcharge. If your credit union and the ATM owner is part of the surcharge-free ATM network, you won\u2019t be hit with the surcharge from the\u00a0ATM owner.\r\nHow to Find a Credit Union Surcharge-Free ATM\r\nSurcharge-free ATM access is available for members whose credit union belonging to the CO-OP Network. \u00a0The CO-OP surcharge-free ATM network consists of 30,000+ ATMs where members using the ATMs will not incur a fee from the ATM owner.\r\n\r\n \tUse your credit union's surcharge-free ATM locator found on their website or mobile app.\r\n \tFind a\u00a0surcharge-free ATM with the\u00a0CO-OP Network\r\n\r\nAdditionally, some credit unions are part of a larger ATM network that can extend surcharge-free ATM access to 65,000+ nationwide. Search surcharge-free ATMs:\r\n\r\n \tFind a surcharge-free ATM on the\u00a0AllPoint Network\r\n\r\nAsk your credit union about the availability of\u00a0surcharge-free ATM networks. Inquire about limits to using the surcharge-free ATM network before credit union access fees may apply.