Internet Tip # 8 - Finding ATM machines that have no surcharge

Created: September 10, 2006
Last Edited: December 10, 2009
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Surcharge Free Co-Op ATM Machines

Take a look at the back of your debit card. Does it have the co-op network logo on the back of it? If not I suggest you close your bank account and get an account at a credit union that is part of the co-op network. Why? Because every co-op credit union has agreed not to give a surcharge for using their ATM machines if you're ATM card is on the co-op network. They have over 19,000 ATM machines.

Free Co-op ATMS

To locate a Co-op ATM machine near you go to:

Or text your location city, state or zip code to 692667 (MYCOOP) from any mobile phone. It will text you back with nearby CO-OP surcharge free ATM machine locations. More info here.

Even if you are not part of the co-op network some banks don't charge you if you use some other banks ATM machine. If this is the case with your bank you may want to look for the Co-Op logo on ATM machines or for the Allpoint, MoneyPass or Alliance One logo.

Other surcharge free ATM machines

Allpoint claims to be America's largest surcharge free ATM network. To find an Allpoint ATM near you go to:

MoneyPass network offers thousands of surcharge free ATM machines. To locate a MoneyPass ATM go to:

Alliance One, a nationwide group of select-surcharge ATMs, gives you the power to access your money on your own terms. Using any one of the convenient ATMs in 39 states and territories, you can access your accounts without being charged a foreign ATM fee.

To locate an Alliance One ATM go to:

Freedom ATM Alliance offers no surcharge ATMs extending north into New York, south into Maryland and west into Ohio, with a majority of the ATMs located in southwestern Pennsylvania. To locate a Freedom ATM Alliance ATM go to:

WARNING!!! As of 4/5/07 Washington Mutual Banks no longer offer free ATM access for members of other banks or credit unions. I found this out today because I tried to get money out of a Washington Mutual ATM today and they tried to charge me $2.00!!

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User Comments

There are 4 comments.

Displaying first 50 comments.

1. Posted By: Anonymous - - December 17, 2007, 12:26 pm
ATM machine is redundant. ATM stands for automatic teller machine.

2. Posted By: Me - - January 4, 2008, 6:46 pm
I refuse to pay ATM fees. I will go way out of my way to go to my own bank, or use an Allpoint ATM (I have ING Direct). No freakin way I'm paying money to get my own money.

3. Posted By: SIMPLE MAN - - November 16, 2008, 9:16 pm

4. Posted By: ME - - July 21, 2012, 9:56 am
I refuse to pay to get my own money. Most atms are nothing but rip offs. i came on this site an went to one of the stores that said it had a atm with a no surcharge. an well when i go there. it was a $2.50 charge. an while i was at the store their was a older man out there getting gas and their lines were broken. the gentlemen was getting sprayed in the face with gas. MABLETON GA NEEDS TO GET THEIR SHIT FIXED ASAP!!! THE AM PM BP ON VETRANS MEMORIAL HIGHWAY