ATM Locations  _______________________

Use our MasterCard DEBIT cards or ATM cards nationwide at most ATM locations and at many merchant locations.

As an added benefit, our members can use nearly 30,000 ATM locations nationwide that are part of the CO-OP ATM Network and save money because these ATM's are all surcharge free; however our credit union will charge $1 for each transaction made at an ATM on the CO-OP ATM Network. 

In addition to the CO-OP ATM's at many credit union locations, the CO-OP ATM Network offers ATM's at a variety of places where you may commonly shop including select Costco, Walgreens and 7-Eleven locations .

Use the CO-OP ATM Finder to locate a CO-OP ATM to save surcharges. Your card may be accepted by many ATM's that are not members of the CO-OP ATM Network, and you may be charged a surcharge by those non-CO-OP ATM's. Look for ATM's with the CO-OP logo to save surcharges. 

CO-OP is revising its logo and you may see either their previous logo or new logo until the changeover to the new logo is complete. 



MasterCard Debit cards and PULSE cards may be used at PULSE ATM's and PULSE PAY merchant locations nationwide.  PULSE cards may also be used at ATM's on other ATM networks that have exchange agreements with PULSE. MasterCard Debit cards may be used at merchants who accept MasterCard Credit cards.  Your card may be accepted by many ATM's that are not members of the CO-OP ATM Network, and you may be charged a surcharge by those non-CO-Op ATM's.

MasterCard Debit and PULSE cardholders may:

    • Get cash.
    • Transfer money between their accounts.
    • Inquire about their account balances.

at PULSE Automated Teller Machines (ATM's).  Deposits to accounts may not be made at an ATM.  

Also MasterCard Debit and PULSE cardholders may ask for "cash-back" when making purchases with their card at merchants accepting their card.

 Free Use of MasterCard Debit or PULSE Card

Many merchants who accept MasterCard Debit and PULSE ATM cards offer cash-back and most do not charge a fee for cash-back. However, the dollar amount may be limited.   IT IS SAFE AND FREE!!!  

  Our Fees

    • $1 for each transaction made at an ATM other than our ATM in the lobby of the Express-News Building at Avenue E and Third Street.  This fee is in addition to any charges at the ATM. 
    • No charge for MasterCard Debit or PULSE PAY purchases including transactions with cash-back.

  ATM Security - It's Everyone's Job

Keep your ATM card secure

    • Keep your “secret code” a secret. Your PULSE card will only work with your personal identification number (PIN) and MasterCard Debit card transactions may require use of your PIN. Memorize your PIN. Do not write it on your card or store it with the card. Remember not to tell your PIN to anyone, and never let someone else enter your PIN for you.
    • Take your ATM receipt with you. Do not leave it at or near the ATM.
    • Take your card with you. Do not leave it in or at the ATM. You may be responsible for any lost funds as a result of leaving your card behind.
    • Do not give out any information about your PULSE card over the telephone or Internet. No one needs to know your secret code, not even the credit union. We will never ask you to tell us your PIN. You may use your MasterCard Debit card to make purchases over the telephone or Internet but do not disclose your PIN when doing so. You may be asked to disclose the CVV code on the back of your card. It is acceptable to give your CVV code.
    • Report a lost or stolen card at once. Promptly report a lost or stolen card to reduce the chance that it will be used improperly. You will be issued another card. Contact us directly here at the Credit Union.
    • Check your receipts against your monthly statement to guard against ATM fraud. You get a receipt every time you make an ATM transaction. Verify each transaction by checking the receipts against your monthly account statements.

     Security at Walk-Up ATM's

    • Always observe your surroundings before conducting an ATM transaction. If you are driving to an ATM, park as close as possible to the terminal. Observe the entire area from the safety of your car before getting out. If you see anyone or anything that appears to be suspicious, leave the area at once.
    • If an ATM is obstructed from view or poorly lit, go to another ATM. Report the problem to the financial institution that operates the ATM.
    • Minimize time spent at the ATM by having your card out and ready to use. If the ATM is in use, give the person using the terminal the same privacy you expect. Allow them to move away from the ATM before you approach the terminal.
    • Stand between the ATM and anyone waiting to use the terminal so that others cannot see your secret code (PIN) or transaction amount.
    • Once you have completed your transaction, take your money, card and receipt and immediately move away from the terminal.
    • When possible, take a companion along when using an ATM, especially at night.
    • If you see anyone or anything suspicious while conducting a transaction, cancel your transaction and leave immediately.

      Safety is Everyone’s Business

Return to top of page


Updated 11/15/2013