CO-OP network: ATMs for Credit Unions

CO-OP network logo

Where can you find an ATM? How much will they charge you to use it? Which credit union has the most free ATMs?

Since credit unions have a limited number of branches and ATMs, almost all of them have joined the CO-OP network. This means that you can use an ATM owned by other credit unions. 7-11 store ATMs are also in the CO-OP network. That’s 28,000 ATMs nationwide, 34 in Oakland proper.

CO-OP network ATMs are surcharge-free. That means that the owner of the ATM doesn’t charge you a fee.

Typically, CO-OP network ATMs are free for credit union members to use. There are exceptions. Some accounts have a limited number of free ATM withdrawals. Some credit unions charge for using any ATM they don’t own. Check the fee disclosure for your credit union.

The CO-OP network also gives you access to over 800,000 ATMs worldwide through links to NYCE, STAR, Cirrus, Pulse and Plus, but these are not surcharge-free. Some credit unions will rebate the surcharge, depending on what account you have. Your credit union will probably also charge you to use these ATMs, although they may allow a limited number of uses for free.

The issue of which Oakland credit union has the most free ATMs will have to wait while I research whether Bank of the West has joined the CO-OP network and whether any other CUs belong to the additional networks that Alliant CU belongs to.


Other Coast Live Oak posts in the Credit Union series:
Move Your Money to Oakland,
Patelco Credit Union,
Provident CU: Super Rewards Checking,
Alliant Credit Union: high savings rates
Oakland Credit Unions: the complete list
Is my money safe in a credit union?

One Response to “CO-OP network: ATMs for Credit Unions”

  1. Brittany-Ann Says:

    Interesting post! I’d never thought about this sort of thing before.

    (By the way, I thought you might like to know that I’ve finally updated my blog!)

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