University Credit Union provides convenient account access with our ATM services. All you need is a University Credit Union VISA Debit or ATM card and an ATM Personal Identification Number (PIN).

You can withdraw cash, make deposits, transfer funds between accounts or make account inquiries, 24 hours a day, 7 days a week, at any one of our UCU ATMs at no charge.

CO-OP ATM logo

CO-OP Surcharge-Free ATMs

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. Visit any of the nearly 30,000 CO-OP Network ATMs, including 5,500 7-Eleven store locations where you can make cash withdrawals, review balances or transfer funds and 9,000 ATMs that will accept deposits.

Find a Surcharge Free ATM
You have a number of ways to locate a 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 for the iPhone App and download 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 owned  ATM or CO-OP Network ATM using our locator map.

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.

Worldwide Access
Use your VISA Debit or ATM Card to make cash withdrawals at over 100,000 ATMs across the country bearing the Cirrus®, Star®, Instant Teller® or Interlink® logo, (look for the logos on the back of your card). A surcharge may apply at some ATMs; check the ATM before use. And, with your VISA Debit Card, you can also make point-of-sale purchases nationwide anywhere VISA is accepted.
Cirrus logoExchange logoStar logo
Your ATM or VISA Debit Card PIN can only be used with our ATM service and may be a different number than that used for eBranch and the teller by phone.. If you wish to change your ATM access PIN and select your own number, just come into a branch. No appointment is necessary but be sure to bring your VISA Debit or ATM card and valid identification (driver’s license, ID card, employee ID or passport).

Click here for ATM Safety Tips

*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.