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 nearly 30,000 CO-OP Network ATMs, which includes more than 8,000 corporate owned stores and 9,000 deposit-taking ATMs.

Please note: Some 7-11 stores are not corporate owned and therefore may not be part of the CO-OP surcharge-free network.

Find an ATM 
You have a number of ways to locate any one of the 30,000 surcharge-free ATMs:

  • iPhone® App. The app+ is free, easy and there’s no registration process. Just search ‘CO-OP ATM’ in the App Store at Then download, install and go! Or click here to download the iPhone App now.
  • Text your address, intersection or zip code to 692667 (MYCOOP) from any mobile phone.
  • Call (888) SITECOOP to access the voice ATM Locator
  • Find a UCU-operated ATM or CO-OP Network ATM using our locator map.

Wherever you go, UCU is there to save you time and money – especially with nearly 30,000 Surcharge-Free ATMs.
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.
  • 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.

*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.

**Deposits 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 Financial Services Specialist.

+ App is for locating CO-OP Network ATMs only. There is no charge for downloading the app at However, web charges may occur on your cell phone bill depending on your data plan. Check with your service provider.