Using ATMs with your Debit Mastercard®
Automatic Teller Machines (ATMs) provide a convenient way to withdraw cash or make deposits 24 hours a day, at thousands of ATMs across the country and around the world. Your card permits transactions at any ATM that displays the Alliance One, PLUS or Cirrus emblem.
Surcharge Free ATMs
Alliance One, founded in 1998, is a nationwide cooperative group of credit unions, community banks and thrifts that have joined forces to give their cardholders surcharge-free access to ATMs all over America that are owned by other members of the Alliance One cooperatives. That cooperative spirit not only gives you more convenient ATMs to choose from, it also leaves that extra $2.00 where it should be - in your account.
Cinfed Credit Union has added over 55,000 ATMs to our surcharge-free network. Cinfed has partnered with Allpoint, the largest surcharge-free network, providing our members more surcharge-free access for cash withdrawals.
Where can you find an Allpoint surcharge-free ATM? Inside many local retailers and places you already visit. Retailers where you can find an Allpoint ATM include: Target, CVS, Kroger, Costco and Shell gas stations. Just look for the Allpoint logo on the ATMs.
There are two types of fees associated with an ATM transaction: a Surcharge and Network Fee.
A surcharge is a fee the owner of the ATM charges when ATM cards (or Debit Cards) from other financial institutions are used in its ATMs. For example if you used your Cinfed ATM card in a Fifth Third ATM, Fifth Third Bank would assess a Surcharge. You can avoid the surcharge by using any Cinfed, Alliance One or Allpoint ATM.
A Network Fee is charged for accessing the ATM network and applies when you use any ATM that is not owned by Cinfed. You receive four Network Fee-free ATM transactions per card per month regardless of which ATM you use.
Remember: you can use your Cinfed Debit Card at any Cinfed-owned ATM anytime and there is never a fee!
You can find more information regarding our fee schedule here. Otherwise, please reach out to our member services department at 513-333-3800 for any additional questions.
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