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Surcharge-Free ATMs & Shared Branches Nationwide

Even if you can't get to a USSFCU branch, there are over 3,000 shared branches nationwide where you can make your basic transactions like deposit, withdraw, transfer funds, etc. Also, you can make surcharge-free withdrawals at over 100,000 ATMs nationwide.*

Quick Tip: Text any Zip Code to 91989 and receive the closest ATM location.

Thanks to our partnerships with Allpoint, CO-OP, CULIANCE, and our most recent addition, the NYCE® Network, you can get access to your funds at thousands of ATMs and shared branches throughout the United States and the rest of the world.

Use the map below to find Surcharge-Free ATMs & Shared Branches nationwide.

Details

USSFCU’s extensive ATM network offers more surcharge-free ATMs than just about any bank, coast to coast, nationwide.*

  • 55,000 Allpoint ATMs worldwide
    • America's largest surcharge-free ATM network
    • Download free Allpoint ATM locator app for iPhone® or Android™
  • 80,000 CULIANCE ATMs worldwide
    • Includes locations in most major national retailers and local merchants
    • Download their free ATM locator app for iPhone® or Android™
  • 30,000 CO-OP ATMs  
    • Plus, with a co-op network of 5,000 participating credit union branches, means you have more direct, surcharge-free* access to your money than most traditional bank customers do.
    • Access at over 8,000 7-Eleven ATM Kiosks
    • Text your Zip Code to 91989 to find nearby ATM and Shared Branch Locations** or Download the free Mobile ATM locator app for iPhone® or Android™
  • 6,700 NYCE® Network
    • SUM®- Surcharge-free ATMs—It’s your money, save SUM
    • Dollar$top $1 charge ATMs—Convenient cash for just $1*
    • Download their free ATM locator app for iPhone® or Android™

Use our online ATM locator tool to find surcharge-free ATMs.

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FAQ

How does the ATM Network program work?

USSFCU members are already eligible to take advantage of the program—a network of surcharge-free ATMs. You can look for participating logos on any ATM, or can find nearby locations with our Service Locator.

What is a surcharge?

Surcharges are fees charged to consumers withdrawing cash from ATMs, and are used to cover the cost of providing and maintaining ATMs. Financial institutions generally only apply surcharges to non-customers who withdraw money from their ATMs.

What are your ATM fees?

There is no USSFCU fee for ATM service at any of the Senate and Wright Patman Congressional FCU ATM locations, located conveniently throughout Capitol Hill.

If a member has Senate Checking and uses a card at a non-USSFCU ATM during a calendar month, the first four of these transactions are free — afterwards there is a $1.00 per transaction for the remainder of that month for each additional transaction at a non-USSFCU ATM. However, if a member has Gold Source Checking there is no charge for any additional transactions.

USSFCU belongs to various ATM networks which provide access to funds throughout the world. These non-USSFCU institutions may elect to impose a local service fee for the use of their ATMs, which is separate from the fee noted above. However, using an ATM designated with partner logos will avoid this additional charge*.

Also, there is no local service fee for ATM service available Downtown at the United States General Accounting Office, at the Postal Square Building, and in the Maryland and Virginia suburbs at the Credit Union Family Service Centers. 

For more information, please review our fee schedule.

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*Terms of use may apply. Not all ATMs in each network are surcharge free. Please note that USSFCU strives to report the most accurate information available for each location. Occasionally there may be a discrepancy in the information provided (including fee surcharges) due to some institutions initiating changes or experiencing system malfunctions.

**Text function is a CO-OP service, not a USSFCU service and applies to surcharge-free locations within the CO-OP network only. View all CO-OP terms and conditions at https://co-opcreditunions.org/.

Members' Voice Testimonials

USSFCU puts members first and helps people. Compared to U.S. banks, which forget their humble beginnings and often behave like (they are) above the law. Credit unions seem to have maintained their purpose and USSFCU is among the best. I am proud to be a member and grateful for the service provided by USSFCU.

I've been a member for about 31 years now and I've always been able to count on the USSFCU when I've really needed them.

Excellent customer service. Staff are knowledgeable, responsive and able to provide individualized help. I live in another state and am still amazed how easy it is to use USSFCU for all my financial needs. It has always been this way and with technology solutions, it is easier than ever. But it is the personal assistance that really makes the diffe...

Been a member for a very long time. I have always been treated with kindness and expertise. Keep up the good work!

Love the phone calls regarding possible suspicious activity with my account. It's reassuring to know that everything is safe.

I would recommend the USSFCU based on the excellent customer service I have received from the Senate Credit unions I have visited (Eisenhower and GAO).

Accessibility and customer service have been exceptional. I have been a member for almost 40 years and have always been satisfied with the service and professionalism of the staff.

USSFCU cares about those who bank with it and that caring is not lip service but translates into action.

I have been with the credit union for almost 15 years and all in all am extremely pleased with the service I have gotten. Definitely better than any bank.

Very personable, solution based and takes in interest in your situation.

Unfailing service by dedicated staff. I feel that USSFCU has my back. Staff has gone to bat for me whenever needed. I'm not aware on any mistake or inconvenience in my 30 years of membership. Excellent long term leadership, continuity and service by board.

Easy to become a member and superb customer support. I dealt with two different USSFCU representatives and they were fantastic. I was able to reach them immediately or if they were tied up they contacted me as soon as they became available. They helped me open an IRA and answered any and all questions with great attitudes and professionalism. They ...

The credit union provides relatively good services and the security updates to the system are noticeable.

It took a matter of minutes to open the account and purchase a CD. The credit union that I have done business with for about 40 years took more than a week to close a joint account and transfer the funds to a new account when my husband died.

Outstanding online and mobile banking services. Professional, Courteous, knowledgeable responsive staff!

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