No surcharges, the power of membership.
Need surcharge-free access to cash?
Don’t worry about being far from your branch. With your BC credit union Member Card® debit card, you have access to over 560 ATMs on THE EXCHANGE® ATM Network in BC, and over 2,350 ATMs across Canada — all surcharge-free!
What’s the EXCHANGE® Network?
All BC credit union ATMs are joined to THE EXCHANGE® Network, the second-largest full-service ATM network in the province. This gives all BC credit union members the benefit of surcharge-free withdrawals, via their Member Card® debit cards, at any of the 491 ATMs operated by BC credit unions, plus another 72 maintained by HSBC Bank Canada, Citizens Bank of Canada and National Bank of Canada – a total of 563 ATMs province-wide, and growing.
What’s a surcharge anyway?
A surcharge is a fee that the owner of an ATM imposes on an ATM user. ATMs that surcharge have a warning screen that appears before the completion of a transaction to notify the user of a surcharge. Surcharges range anywhere from $1.25 per transaction and up. Surcharges are not the same as transaction or account fees.
If there are fees for transactions performed at ATMs on THE EXCHANGE® Network, as outlined in your credit union account agreement, these fees will still apply and will be shown on your statement.
How do I find a surcharge-free ATM?
Finding a surcharge-free ATM is now easier than ever. Use our ATM locator below, and select your province & city from the drop down menus. If you type in your address or postal code too, we’ll show you the closest surcharge-free ATMs on a map. How’s that for access?
®MEMBER CARD is a registered certification mark owned by Credit Union Central of Canada, used under license.
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