Surcharge Free ATMs

Atlantic credit unions provide their members with surcharge free access to their money from coast to coast. Our partnerships with THE EXCHANGE® and the ACCULINK® networks provide our members with combined access to over 3200 surcharge free ATMs across Canada using their ATM, direct payment and credit cards. The ATM Networks webpage contains additional information.

In 2012 several Canadian credit unions collaborated to launch a national ding free® campaign. Although Coastal Financial Credit Union did not participate in the campaign, rest assured that you will continue to have the same access, as you always had, to over 3200 surcharge free ATMs across Canada.

Convenient, reliable access to your money 

You can access your money using these ATM cards along with your Personal Identification Number (PIN). As shown in the card graphic, the backside of the card displays the ATM network logos that indicate where your card is accepted.

  • The MEMBER CARD® debit card is accepted at ATMs identified as Cirrus®, Maestro®, ACCULINK®, Interac®, THE EXCHANGE® and ACCEL®.
  • The credit union Collabria Mastercard® and *Visa business credit cards are accepted virtually everywhere around the world at all machines identified as accepting Cirrus® and Maestro®.


What is a Surcharge?

A surcharge (or convenience fee) is a fee charged by an ATM owner at the time of the transaction and appears on the ATM receipt. A surcharge ranges from $1 to $3, and comes with a warning screen before the ATM transaction is complete. Surcharges are not the same as transaction or account fees, which would appear on a member's monthly statement - i.e. when a member exceeds the limits of a package account that comes with a fixed amount of free transactions per month.



®MEMBER CARD & Design are registered certification marks owned by Credit Union Central of Canada, used under license
® ACCULINK is a registered trade-mark owned by Credit Union Central of Canada, used under license.
® THE EXCHANGE is a registered trade-mark of Fiserv Inc., licensed for use in Canada by FICANEX Services Limited Partnership.
®DING FREE & Design are registered trade-marks of Central 1 Credit Union, used under license.
®Trade-mark of Interac Inc. Used under license.
®The Cirrus Brand Mark is a registered trademark of Mastercard International Incorporated, used under license.
The Collabria Mastercard is issued by Collabria Financial Services Inc. pursuant to a license from Mastercard International Incorporated. Mastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated.
The Collabria Visa Card is issued by Collabria Financial Services Inc. pursuant to a license from Visa. *Trademark of Visa Int., used under license.