Surcharge-Free ATM & Shared Branch Nationwide Network

Surcharge-Free ATM & Shared Branch Nationwide Network

5000+ Shared Branches & 170,000+ Surcharge-Free ATMs Nationwide

Even if you can't get to a USSFCU branch, there are over 5,000 shared branches nationwide where you can make basic transactions like deposit, withdraw, transfer funds, etc. Also, you can make surcharge-free withdrawals at over 170,000 ATMs nationwide.*

Thanks to our partnerships with Allpoint, CO-OP, CULIANCE, and the NYCE® Network, you can access your funds at thousands of ATMs and shared branches throughout the United States and the rest of the world.

Text your Zip Code to 91989 

to find nearby ATM and Shared Branch Locations** or Download the free Mobile ATM locator app for iPhone® or Android™

IMPORTANT NOTICE: Before visiting any shared branch, it's recommended to call ahead to verify their participation and confirm their hours of operation.

Search for ATMs & Shared Branches Nationwide

Find surcharge-free ATMs nationwide at the following locations.

                

Details

USSFCU’s extensive ATM network offers more surcharge-free ATMs than just about any bank, coast to coast, nationwide.*

  • 55,000 Allpoint ATMs worldwide

    • One out of every twelve ATMs in the U.S. participates
    • Download the free Allpoint ATM locator app for iPhone® or Android™

                   

  • 300,000 CULIANCE ATMs worldwide

    • 75,000 are surcharge-free
    • Includes locations in most major national retailers and local merchants
    • Download their free ATM locator app for iPhone® or Android™

  • 33,339 CO-OP ATMs  

    • Plus, with a co-op network of 5,000 participating credit union branches, means you have more direct, surcharge-free* access to your money than most traditional bank customers do.
    • Access at over 8,000 7-Eleven ATM Kiosks

  • 9,448 NYCE® Network

    • SUM®- Surcharge-free ATMs—It’s your money, save SUM
    • Dollar$top $1 charge ATMs—Convenient cash for just $1*
    • Download their free ATM locator app for iPhone® or Android™

USSFCU ATMs located at all branches & throughout the Capitol Hill campus

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FAQ

How does the ATM Network program work?

USSFCU members are already eligible to take advantage of the program—a network of surcharge-free ATMs. You can look for participating logos on any ATM, or can find nearby locations with our Service Locator.

What is a surcharge?

Surcharges are fees charged to consumers withdrawing cash from ATMs, and are used to cover the cost of providing and maintaining ATMs. Financial institutions generally only apply surcharges to non-customers who withdraw money from their ATMs.

What are your ATM fees?

There is no USSFCU fee for ATM service at any of the Senate and Wright Patman Congressional FCU ATM locations, located conveniently throughout Capitol Hill.

If a member has Senate Checking and uses a card at a non-USSFCU ATM during a calendar month, the first four of these transactions are free — afterwards there is a $1.00 per transaction for the remainder of that month for each additional transaction at a non-USSFCU ATM. However, if a member has Gold Source Checking there is no charge for any additional transactions.

USSFCU belongs to various ATM networks which provide access to funds throughout the world. These non-USSFCU institutions may elect to impose a local service fee for the use of their ATMs, which is separate from the fee noted above. However, using an ATM designated with partner logos will avoid this additional charge*.

Also, there is no local service fee for ATM service available Downtown at the United States General Accounting Office, at the Postal Square Building, and in the Maryland and Virginia suburbs at the Credit Union Family Service Centers. 

For more information, please review our fee schedule.

Need an Alternative Way to Make Deposits?

Sprig by CO-OP is a service specifically developed for credit unions to assist with services like mobile deposit, account transfer and sending/receiving money. 

Click on the links below to download the app and/or enroll.

Apple Store   Google Play Store  Enroll on Desktop

 Have questions or need to contact Sprig? Click Here

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*Terms of use may apply. Not all ATMs in each network are surcharge free. Please note that USSFCU strives to report the most accurate information available for each location. Occasionally there may be a discrepancy in the information provided (including fee surcharges) due to some institutions initiating changes or experiencing system malfunctions.

** Text function is a CO-OP service, not a USSFCU service, and enables you to receive a list of surcharge-free locations near the provided Zip Code within the CO-OP network only.  Message and data rates may apply.  One message per use.  Reply HELP for help.  Reply STOP to opt out.  View all CO-OP terms and conditions and privacy policy at https://co-opcreditunions.org/.

Members' Voice Testimonials

This credit union is the best, I love the customer service and you can't beat the interest rates. I'm happy to be a member of this great credit union.

- James · Locust Grove, GA

The branch manager introduced herself and was extremely helpful. She stated that if there is anything we ever need to please let her know. Very positive experience!

- Larry · Cumberland, MD

Greta was absolutely amazing - as always. She makes me and my parents feel valued and supported. We are forever grateful. [The Credit Union] has been hugely supportive over many years. And we feel known and cared for.

- Eliza · Washington, DC

Long as I have been with the credit union, I haven't had any problems. I also like the protection on my account.

- Charles · Upper Marlboro, MD

My overall experience at the credit union was exceptional. The staff was hospitable offering water, my service was timely and professional and the office was well lit and clean.

- Denise · Washington, DC

As a member for more than 40 years, i have always had great service from the USSFCU and know that they stand behind their great reputation.

- David · Silver Spring, MD

A top rate Credit Union, [I'm] privileged to be part of! Thank you for all you do for our family! USSFCU Credit Union was able to resolve our financial situation - vehicle, personal loans, customer service/recommendations, within 6 months. We belonged to another credit union for over 20 years, with results not even close to comparison. We switched ...

- Manuel · Bowie, MD

Your people and products are amazing. The recent [online banking] overhaul is phenomenal. [I've] been electronic banking since Tele action phone banking - paying bills with my push button landline decades ago. USSFCU is light years ahead of everyone else in terms of ease of use and client experience!

- Misty · Brookings, OR

I have been a member for more than 30 years. I no longer reside in the DC area but continue to bank with USSFCU because of the ease and the customer service.

- Tamra · Denver, CO

I have been a member for over 50 years, and I have always gotten good service with loans, when I had to have service at a branch, and when I needed to have money sent to me from my savings account. The personnel have always been friendly and treated me with respect.

- John · Fort Washington, MD

I especially appreciate being able to quickly speak with someone (not a robot) and that person has always been knowledgeable and helpful.

- Bernard · Richmond, VA

Excellent customer service streamlined and transparent process. The representatives are efficient, knowledgeable, and understanding of the type of loans offered by Credit Union.

- Erwin · Ellicott City, MD

The USSFCU behaves as a credit union ought to behave. The staff works with and for the members, not for a corporate board. Interest rates for a car loan, a home improvement loan, and a mortgage are low and terms are transparent.

- Ruth · Takoma Park, MD

Staff are courteous and friendly to work with. Very knowledgeable about services and products offered or available. Excellent follow-up with customers.

- Jacquelyn · Sanford, FL

I have appreciated USSFCU services for many years since I left my work on Capitol Hill. I have appreciated the occasional webinars on purchasing a home or retirement planning.

- Jamie · Washington, DC

I have been a member since 2006, and have always appreciated the customer service response to any concern or query. In addition, as I have traveled extensively, USSFCU has provided support and access.

- Kathleen · Ukiah, CA

I've had a credit union account for decades, even though I no longer work on Capitol Hill. I now have two accounts. I've been able to do all of our banking remotely, by app or by phone.

- Richard · Washington, DC

I have been a USSFCU member for almost 20 years. There is nowhere else I want my money to be. I always receive excellent service.

- Nicole · Alexandria, VA

I deeply appreciate the stellar service, the proficiency, the professionalism, and the kindness. I am truly honored and grateful to bank with a financial institution that treats customers like family.

- Angela · Alexandria, VA

Read More testimonials.