It's no secret that we go out of our way to save you money. That is why we have partnered with Co-Op ATM, a network of nationwide surcharge-free ATMs that lets you take out money, without extra fees no matter where you are in the country.

>We aren't just talking about ATMs available at banks and credit unions. You will get free access to over 30,000 ATMs in locations in all 50 states including Dunkin Donuts, Costco, 7-Eleven, and a variety of regional convenience stores.

How Do I Know if the ATM is in the Co-Op Network?

There are four ways to find a surcharge-free ATM:

  1. Visit the Co-Op website and enter your zip code to see nearby ATM locations
  2. Download our mobile app to search for free ATMs while you are out of the house
  3. Text a zip code to 91989 to find nearby ATMs or shared branch locations
  4. Call 888-748-3266 to find a location by telephone

Our ATM Network

No withdrawal fees. Access across the country. Peace of mind that you can get your money when you need it most.

Our Co-Op Network is just one more reason thousands of Northern NY residents choose Adirondack Regional Federal Credit Union over the big banks.
Find an ATM