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CO-OP Surcharge-Free Network ATMs

For even greater convenience when it comes to banking at University Credit Union, you can enjoy surcharge-free access at over 28,000 CO-OP Network ATMs, which include 5,500 7-Eleven locations and 9,000 deposit-taking ATMs.
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Just look for the CO-OP Network logo and you will know that your UCU ATM Card will be accepted.
- Fee-Free Transactions
Avoid surcharge fees and transactions fees when you use a CO-OP Network ATM to get cash, review balances and transfer funds. You can even make deposits at many of their locations.
(A surcharge is a fee that the owner of the ATM imposes on a user. ATMs that surcharge should have a warning screen appear before the completion of the transaction to notify each user of an impending surcharge. Surcharges are not the same as transaction fees. University Credit Union's transaction fee for cash withdrawals at CO-OP Network ATMs are waived. Transaction fees at non-UCU ATMs still apply, as described in your disclosure statement).
- Safe and Timely Deposits
There are over 9,000 ATMs that will also accept your UCU account deposits. You'll even receive a receipt of your deposit just like you would at a UCU branch.
Please note … deposits made at participating CO-OP ATMs may not be available for immediate withdrawal, and will generally be available for withdrawal two business days following the date of deposit. For more details, please contact a UCU representative.
- Find an ATM -
You have three distinct ways to locate any one of the 28,000 surcharge-free ATMs.
- Text your address, intersection or zip code to 692667 (MYCOOP) from any mobile phone.
- Call (888) SITECOOP to access the voice ATM Locator
- Visit the on-line CO-OP Network directory.
Or just go to any of our 23 UCU-operated ATM locations.
Wherever you go, UCU is there to save you time and money - especially with over 28,000 Surcharge-Free ATMs.
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 Your savings federally insured to at least $250,000 through the National Credit Union Administration (a U.S. Government Agency) and backed by the full faith and credit of the United States Government. |
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 An additional $250,000 of coverage provided by American Share Insurance (ASI), a private corporation. |
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 University Credit Union is an Equal Housing Lender. |
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