CO-OP ATMs

The CO-OP Network gives you surcharge-free access to YOUR money! Through NAPUS Federal Credit Union participating in the CO-OP Network, you now have access to your money at more than 20,000 surcharge-free ATMs across the United States and Canada. In addition, over 5,000 of these ATM machines will offer deposit services.

What is a surcharge?

Many banks impose a “convenience” fee for using their ATMs, typically $1.50 or more. In fact, it’s getting harder and harder to find surcharge-free ATMs – unless you are a NAPUS FCU cardholder who has surcharge-free access to ATMs across North America displaying the CO-OP Network logo.

Who belongs to the CO-OP Network?

Only credit unions belong to the CO-OP Network, which means more than 23 million credit union members across the U.S. have the CO-OP Network logo on the back of their Debit cards.

Because NAPUS FCU is part of the CO-OP Network, what privileges do I have?

Members of credit unions participating in the CO-OP Network receive surcharge-free access to 20,083 conveniently located ATMs in the United States (all 50 states), Puerto Rico and Canada. Many of these ATMs offer deposit-taking services (approximately 5,000).

How do I find a CO-OP Network ATM?

The 20,000+ CO-OP Network ATMs are located at participating credit unions, as well as in airports, malls, shopping centers, movie theatres, grocery stores, department stores, etc. Just look for the CO-OP Network logo on the ATM or use the CO-OP link on our website home page to locate the closest participating ATM to your zip code.

Can I go into the participating Credit Union in my local area and transact business with a teller?

No. Currently, this service is only for ATM use. We are researching this option, known as “share branching” and may offer this service in the future.

When I use the ATM Locator to find the closest ATM, what do the terms Restricted Area, Business Hours Only, Walk-up, and Deposit Taking mean?

  • Restricted Area: The ATM requires some form of ID, pass, or key to gain entry for usage.
  • Business Hours Only: The ATM at this location is only available for use during the financial institution’s normal business hours.
  • Walk-Up: The ATM does not offer drive-thru convenience. The member must physically walk to the ATM machine to utilize its services.
  • Deposit Taking: The ATM at this location offers deposit-taking services.

After a member utilizes any type of deposit service at their local CO-OP sponsored ATM, when will a cash or check deposit be credited to their NAPUS FCU account?

The deposit will be credited within 48 business hours.