The Co-Op Network owns nearly 30,000 ATMs that are accessible to our members nationwide free of charge.

The capabilities of each ATM depend on the owner, however you may be able to review a specific ATM's abilities from our Locations page.

You will receive a $1.00 out-of-network charge per transaction, including for a balance inquiry even if you do not withdraw or transfer funds, in addition to a surcharge from the institution that owns the machine. Their surcharge can range from $1.00 to $3.00 and will be posted on the machine before your transaction occurs.

In regard to international ATMs: A $1.00 out-of-network ATM fee would be assessed along with any fees charged by the financial institution that owns the ATM. Please also note international ATMs typically only recognize checking accounts and there is a $1,000 USD daily withdrawal limit for ATMs.