Members can avoid paying a surcharge by using a CO-OP ATM or a CU$ ATM. You won't be charged a surcharge at these ATMs. CO-OP and CU$ ATMs are located throughout the United States.
We don't charge members a fee for using our ATMs. You may be charged a surcharge fee from the financial institution or business that owns the ATM. Your Member Loyalty Rewards level determines the number of free monthly transactions you may have when using a non-Members 1st ATM, known as a "foreign" ATM. ATM transactions count towards the monthly allowance and include withdrawals, transfers, and balance inquiries performed at foreign ATM machines. Deposits made through a foreign ATM will not be counted towards the free monthly transaction allowance. Every ATM must advise if a surcharge fee is applicable.
Please note that other fees may be associated with ATM withdrawals and inquiries that exceed three per month on non-Members 1st ATMs and on returned unpaid ATM deposits.