CO-OP ATMs / Find Credit Union Surcharge-Free ATMs

CO-OP ATMs offer members of participating credit unions access to 30,000+ surcharge-free ATMs for cash withdrawals and banking transactions.

Find Surcharge-Free ATM

Find CO-OP ATMs: As a credit union member, you might have access to thousands of surcharge-free ATMs nationwide. Many credit unions offer an extensive no-fee ATM network to enhance the convenience and accessibility of your money. It’s another credit union benefit to help members succeed.

What is a surcharge-free ATM?

When you use an ATM outside of your credit union network, two fees may be assessed:

  • an access fee by your financial institution,
  • and the surcharge fee imposed by the ATM owner.

For example, you can withdraw money from your credit union’s ATMs without paying fees. However, if you happen to withdraw money from a different ATM, such as a bank, convenience store, or gas station, the ATM owner may add a surcharge fee.

A surcharge-free ATM means you can withdraw money at participating ATMs without incurring a fee from the ATM owner.

What is the CO-OP ATM Network?

CO-OP ATMs are a vast network of surcharge-free cash machines, offering users access to thousands of ATMs across the United States and beyond. With CO-OP, customers can conveniently withdraw cash, check their account balances, transfer funds, and perform other banking transactions without incurring additional fees.

CO-OP Network offers the following services:

  • Surcharge-free ATM access
  • Cash withdrawals
  • Account balance inquiries
  • Funds transfers
  • Deposit capabilities at select locations

How CO-OP ATMs Works

Customers with accounts at participating credit unions can use and find a CO-OP ATM that offers surcharge-free withdrawals. Using the CO-OP ATM locator tool, you can locate nearby no-fee ATMs and conduct banking transactions without worrying about surcharge fees.

Where is CO-OP ATMs Available

CO-OP ATMs are available at thousands of locations, including credit unions, retail outlets, and financial institutions. With widespread coverage across the United States and select international locations, CO-OP provides extensive accessibility for users seeking fee-free cash withdrawals.


CO-OP ATMs offer surcharge-free access to users with accounts at participating credit unions. Unlike traditional ATMs that may charge surcharge fees for out-of-network transactions, the network eliminate these fees, allowing users to access cash without additional costs.

How to Find A Credit Union Surcharge-Free ATM Near You

Use your credit union surcharge-free ATM near me locator on the website or app. That’s the best place to start.

There are two main surcharge-free ATM networks. Depending on which network your credit union belongs to determines how many surcharge-free ATMs you’ll find near you.

  • Over 30,000 surcharge-free ATMs are offered by the CO-OP Network (primarily used by credit unions).
  • Over 55,000 surcharge-free ATMs are offered with the AllPoint Network (used by some credit unions and banks).

What is the difference between surcharge-free access and ATM Fee Reimbursement?

The difference between surcharge-free ATMs and ATM rebates or reimbursements lies in how users are compensated for fees incurred at out-of-network ATMs:

  1. Surcharge-Free ATMs: Users can access cash or conduct transactions at these ATMs without incurring surcharge fees, provided they have accounts with participating financial institutions that are part of the surcharge-free network. There is no need for reimbursement because no surcharge fees are imposed in the first place.
  2. ATM Rebates or Reimbursements: Some financial institutions offer ATM rebates or reimbursements to offset surcharge fees incurred at out-of-network ATMs. In this case, users may be charged a surcharge fee by the ATM owner, but their bank reimburses them for these fees, either partially or in full, as part of their account benefits. This allows users to access a wider network of ATMs while minimizing or eliminating the associated fees.

CO-OP ATM Alternatives

Some credit unions offer additional surcharge-free ATM access. The following are alternatives, but ask your credit union to verify which networks they belong to.

  • Allpoint Network: Allpoint ATMs are a network of surcharge-free ATMs, providing an alternative option for fee-free cash withdrawals for users with accounts at participating banks and financial institutions.
  • MoneyPass Network: MoneyPass is another network of surcharge-free ATMs available to customers of participating banks and credit unions, offering extensive coverage across the United States.
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