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Surcharge-Free ATM & Shared Branch Nationwide Network

Even if you can't get to a USSFCU branch, there are over 5,000 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.

IMPORTANT NOTICE: Please call ahead to any shared branch before traveling there.
Due to Covid, many branches are not keeping their regular hours, consolidating shared branching services to only a few branches, may be closed or have other specific requirements that you would need to know before visiting.


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™
  • 300,000 CULIANCE ATMs worldwide
    • Includes locations in most major national retailers and local merchants
    • Download their free ATM locator app for iPhone® or Android™
  • 33,339 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™
  • 9,448 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.

Need an Alternative Way to Make Deposits?

Sprig by CO-OP is a service specifically developed for credit unions to assist with services like mobile deposit, account transfer and sending/receiving money

Click on the links below to download the app and/or enroll.

Apple Store   Google Play Store  Enroll on Desktop

 Have questions or need to contact Sprig? Click Here

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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.


*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

Members' Voice Testimonials

This credit union is the best, I love the customer service and you can't beat the interest rates. I'm happy to be a member of this great credit union.

USSFCU has always been accommodating, easy to work with, and staff are always kind. I have every intention of keeping my account with this bank for a long, long time.

The branch manager introduced herself and was extremely helpful. She stated that if there is anything we ever need to please let her know. Very positive experience!

Greta was absolutely amazing - as always. She makes me and my parents feel valued and supported. We are forever grateful. [The Credit Union] has been hugely supportive over many years. And we feel known and cared for.

Long as I have been with the credit union, I haven?t had any problems. I also like the protection on my account.

My overall experience at the credit union was exceptional. The staff was hospitable offering water, my service was timely and professional and the office was well lit and clean.

As a member for more than 40 years, i have always had great service from the USSFCU and know that they stand behind their great reputation.

A top rate Credit Union, [I'm] privileged to be part of! Thank you for all you do for our family! USSFCU Credit Union was able to resolve our financial situation - vehicle, personal loans, customer service/recommendations, within 6 months. We belonged to another credit union for over 20 years, with results not even close to comparison. We switched ...

Your people and products are amazing. The recent [online banking] overhaul is phenomenal. [I've] been electronic banking since Tele action phone banking - paying bills with my push button landline decades ago. USSFCU is light years ahead of everyone else in terms of ease of use and client experience!

Read More testimonials.