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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

I feel my money is safe, the service has always been top-notch and we've found it easy to use even though I probably haven't set foot in one of the branches in five years. Joining the credit union is one of the smartest things I've done.

USSFCU has been my first banking option for over 40 years - no fee atms - my grands are now members of the credit union and value their credit union membership also.

USSFCU staff continues to be the best and always has my best interest.

The USSFCU has been an important part of my financial situation and has provided outstanding service.

Every experience with USSFCU has been extremely good right from the start. Our main account with USSFCU is a HELOC with zero over prime rate, which is almost unheard of. The customer service has always been excellent. And when we asked for a temporary payment break to navigate and reorient professionally due to the sudden and temporary financial im...

I've always been treated very professionally and the person caring for my financial needs always listened to me and helped me in a way that was not stressful and beneficial to me.

USSFCU has never failed us in its' role of being the best bank ever. All the personnel are professional, friendly, efficient and have more than earned our trust, appreciation and admiration. We admire the way they are constantly evaluating, adapting and growing their services for the benefit of its' members. We are very grateful to have had this im...

Magnificent people, great help during the hard times.

I've been banking here for over 20 years it's the best customer service. Credit card interest rates don't gouge at USSFCU. It's a wonderful place to bank.

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

Provides excellent customer service and this is demonstrated by their great attention to detail. USSFCU provides excellent financial products and professional communication.

I joined in 1975 when I began my 41 year career in the U.S. Senate. It was a family and still is - one to be depended on in times of need and for advice.

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

All of my children and grandchildren have USSFCU accounts now. I really admire USSFCU and its staff completely, they have always looked out for my interests.

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

I am very satisfied to belong to this institution and whenever I need support it is good to know that I count on you.

This credit union is the best, I love the customer service and you can?t beat the interest rates. And I?m happy to be a member of this great credit union.

Great staff helping all the time. Just a very well run company always good service.

Always good service, especially when I telephone in. I have another credit union where, every time I call in, I have to wait a considerable amount of time before reaching a representative. When I worked on the Hill, it always was a pleasurable experience coming to the credit union office, whether to make a deposit or apply for a loan.

Customer service via the phone is very helpful and easy to accomplish requests.

Care about their clients and concerned about making sure they have the best rates and packages.

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