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CO-OP ATM Network

When you need convenient ATM access without paying a surcharge, a bigger network is better.  Heritage USA Federal Credit Union is pleased to belong to the CO-OP ATM network, the largest credit union-owned ATM network in the United States. The CO-OP ATM network operates nearly 30,000 surcharge-free ATMs across the country for the benefit of credit union members.  How convenient is that? 

Anyone who’s had to wander from place to place searching for an in-network ATM knows the value of more locations. CO-OP ATM network locations are found in credit union branches, supermarkets and 7-Eleven® stores, as well as a multitude of freestanding locations.  Simply put, they’re everywhere. And they are always surcharge-free for Heritage USA FCU members.

What’s even better than surcharge-free ATM access?  How about choice?  Suppose you’re standing in front of an ATM that doesn’t belong to the CO-OP ATM network and you really need the funds, regardless of surcharge. Your Heritage USA FCU Debit Card also works at ATMs worldwide, because CO-OP Network has links to NYCE, STAR, Cirrus, Pulse and Plus.  You get the best of both worlds: the largest network of fee-free ATMs and expanded choices when fees are not an issue.

The CO-OP ATM network isn’t just bigger; it’s better.  It’s designed strictly for the benefit of its credit union members—no collecting fees in order to turn a profit and no making money at your expense. Because credit unions and the ATM network they support are owned by members, the dividends (convenience, free access) are yours.  It’s the largest surcharge-free credit union ATM network on the planet—and it belongs to you.

To find the surcharge-free CO-OP ATMs in your neighborhood, visit www.co-opnetwork.org or download the Heritage USA FCU Mobile App.

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