More ATMs than New Jersey Has Diners

Affinity's Free ATM Network

Affinity belongs to the CO-OP Network®, which provides our members with access to more than 30,000 fee-free ATMs1 and 5,600+ shared branches nationwide2.

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Number of Free ATMs: Affinity vs Big Banks3

Financial Service Provider Free ATMs
Affinity Federal Credit Union Over 30,000
Chase 16,000
Bank of America 16,000
Wells Fargo 12,000

Locating and Using a Free ATM is Easy

  • Use our Mobile Banking App or the ATM/Branch Locator tool on our website to search for ATMs near you.
    • Use the surcharge-free filter in the search and any ATM listed in the results is guaranteed to be free.
    • If a surcharge message appears on the screen during your transaction, press "yes" to accept and proceed. You will not be charged the surcharge.
  • Most ATMs in our network have the CO-OP Network® logo on them, so be sure to look for it, especially if there are two ATMs at the same location.
  • Our ATMs are found inside of most 7-Eleven®, Costco®, and Walgreens® stores, as well as many other national chains and local businesses.
  • Do more than withdraw cash at our ATMs
    • You can deposit checks at any ATMs that shows as Deposit-Taking ATM in our ATM Locator results
    • Check your account balances

Use your Affinity Visa® debit or ATM card at ATMs all over the world - and right next door.

That's true convenience.

1. You can make an unlimited number of withdrawals from ATMs in our surcharge-free CO-OP Network without any surcharge from the owner of the ATM. When you use an ATM not owned by us or part of our network, you may be charged a fee by the ATM operator, or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).

2. Please Note: Affinity members need to opt-in to take advantage of shared branches. To opt-in contact the Member Service Center. Funds from any deposits made at a non-Affinity branch via the shared branch network will not be available until the second business day after the day of your deposit. 

3. Comparison based on respective financial institution’s website as of 7/5/2022. Data is subject to change without notice. Affinity makes no guarantee of their accuracy.