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ATMs

28,000+ surcharge-free ATMs nationwide!

To give you even more access to your money, we've partnered with the Co-Op Network - one of the largest surcharge-free ATM networks in the country - to give you access to over 28,000 surcharge-free ATMs all across the nation.


Co-Op Network ATMs are often located in 7-11 convenience stores.


You can access Co-Op ATMs and all other non-Arizona Federal ATMs for up to four free transactions per month. Keep in mind that Arizona Federal ATMs always offer unlimited free transactions.


How can I locate the ATMs nearest to me?

To find one of the 28,000+ ATMs near you, visit our locations page, enter your address and select search the "all surcharge-free ATMs" option.


Not near a computer? Simply text your location- address, intersection or zip code- to MYCOOP (692667) from any mobile phone. A few seconds later you'll receive a text message with the location of the nearest surcharge free ATMs in your area. If you prefer, click here to download an iPhone application to easily locate CO-OP Network ATMs.


ATM Safety Tips

From Electronic Funds Transfer Association and the Los Angeles Police Department


  1. Pay close attention to the ATM and your surroundings. Don't select an ATM at the corner of a building. Corners create a blind spot. Use an ATM located near the center of a building. Choose a well-lighted location free of shrubbery and decorative dividers.
  2. Be aware of your surroundings throughout the transaction. Be wary of people offering to help or anyone sitting in a parked car nearby. When leaving an ATM, make sure you are not being followed. If you are, drive immediately to a police station, fire station or a crowded location.
  3. Do not use an ATM that appears unusual looking or offers unfamiliar options.
  4. Do not let people look over your shoulder as you enter your PIN. Memorize it. Never write it on the back of your card. Do not re-enter your PIN if the ATM keeps your card. Instead, contact your bank.
  5. Do not wear expensive jewelry or take other valuables to the ATM.
  6. Never count cash at the machine or in public. Wait until you are in a secure place.
  7. When using a drive-up ATM, keep your engine running, your doors locked and leave enough room to maneuver between your car and the one ahead of you in the drive-up line.
  8. Maintain a supply of deposit envelopes at home or in your car. Prepare all transaction paperwork prior to your arrival at the ATM. This will minimize your time at the ATM.
  9. Closely monitor your bank statements and immediately report problems to your bank.
  10. If an assailant demands your money, comply.