Credit union members can withdraw cash at ATMs just like bank customers, but ATM fees may apply depending on the machine used. Many credit unions provide free access to large ATM networks, while fees may occur when using machines outside those networks.
Understanding how credit union ATM fees work can help members avoid unnecessary charges and choose the most convenient machines when accessing cash.
When Credit Union ATM Fees Apply
ATM fees typically occur when members withdraw cash from machines outside their credit union’s network. In these situations, two types of fees may apply.
- ATM operator fee: Charged by the owner of the ATM machine.
- Out-of-network fee: Charged by the credit union for using another institution’s ATM.
Not every transaction will include both fees, but they can sometimes be combined depending on the machine used.
ATM Networks Used by Credit Unions
Many credit unions participate in shared ATM networks that allow members to withdraw cash from thousands of machines nationwide without paying fees.
Common credit union ATM networks include:
- CO-OP ATM Network
- Allpoint ATM Network
- MoneyPass Network
Using ATMs within these networks usually allows members to withdraw cash without additional charges.
How Much Credit Union ATM Fees Cost
ATM fees vary depending on the credit union and the ATM being used. When fees apply, they may range from a few dollars per transaction to higher surcharges at certain machines.
Members should check their credit union’s account agreement or fee schedule to understand potential ATM costs.
How to Avoid Credit Union ATM Fees
Credit union members can often avoid ATM fees by choosing machines that are part of their credit union’s partner networks. Several strategies can help reduce or eliminate ATM charges.
- Use ATMs owned by your credit union
- Withdraw cash from network ATMs
- Check mobile banking apps for nearby free ATMs
- Withdraw larger amounts less frequently
Many credit union mobile apps include ATM locators that show nearby machines that do not charge fees.
ATM Withdrawal Limits at Credit Unions
In addition to potential ATM fees, credit unions also set daily withdrawal limits to protect member accounts and reduce fraud risk.
You can learn more about these limits in our guide to ATM withdrawal limits at credit unions and banks.
Using Digital Banking Instead of Cash
Many credit union members rely less on cash because digital banking options allow electronic transfers and payments directly from their accounts.
You can learn more about these services in our guide to credit union digital banking.
Final Thoughts
Credit union ATM fees depend on the machine used and the networks available to members. By using in-network ATMs and checking available locations through mobile banking apps, members can often avoid extra charges when withdrawing cash.
Understanding ATM policies and fee structures can help credit union members manage cash withdrawals more efficiently.