Quick Fact
 If you're getting big tax refunds, you may be overpaying your federal income taxes. While you may be withholding more tax than necessary as a means of forced savings, there are better ways to automatically save – especially since you don't earn interest on the amount you overwithhold.
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Understanding KEMBA ATMs
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Access your money whenever, wherever you need it.
At KEMBA Financial Credit Union, we know that free and convenient access to ATMs is important to you. With KEMBA’s network you can withdraw cash from nearly 50,000 surcharge-free CO-OP, MoneyPass, or Alliance One ATM locations nationwide without having to pay a surcharge fee.
What is a surcharge?
A surcharge is a fee that an ATM owner may charge you at the time a transaction is made. This fee is taken directly from your funds. As a KEMBA member, when you use an ATM that belongs to one of our surcharge-free networks, you can avoid paying a fee. |
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Here are some fast facts about the surcharge-free networks that you have access to as a KEMBA member:
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MoneyPass ATM
- 12,000 ATMs nationwide
- Includes all US Bank®, Heartland Bank, Cooper State Bank, Members First Credit Union, and 1st Service Federal Credit Union branch ATM locations.
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Alliance One ATM
- 4,736 ATMs nationwide, including Puerto Rico
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CO-OP® Financial Services
- 28,000 ATMs
- Includes 5,500 7-Eleven locations throughout the United States and Canada
- More than 800,000 ATMs worldwide
How to Find a KEMBA surcharge-free ATM
To find a surcharge-free ATM, look for ATMs that have one of the logos above, or visit our ATM & Location Finder. Search by city or zip code to find the surcharge-free ATM closest to your home, office, or favorite vacation spot.
Understanding ATM fees
There are two kinds of charges associated with ATM usage:
1) Fees charged by your Credit Union
2) Fees assessed by the owner of the ATM
KEMBA members have completely free and unlimited use of all KEMBA-owned ATMs.
In addition, your KEMBA checking, savings, or money market account includes a fixed number of fee free non-KEMBA ATM transactions per month. KEMBA will assess a fee of $1.50 for each non-KEMBA ATM transaction that exceeds the monthly allowance for your account. Please see the chart below for information on non-KEMBA ATM transactions.
Please remember that other ATM owners may charge you a fee if you use their ATM, and the amount you pay is determined by the owner. It's important to understand that you will receive these charges regardless of the amount of non-network transactions you are allowed with KEMBA. To avoid surcharges, we encourage you to use CO-OP, Alliance One, and MoneyPass ATMs, which are always surcharge-free when you use your KEMBA ATM or Debit Card. |
| ATM Network |
KEMBA ATM Fees |
ATM Owner Surcharge |
| KEMBA ATMs |
There are no fees for KEMBA members at KEMBA-owned ATMs. |
There are no fees for KEMBA members at KEMBA-owned ATMs |
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At least 6 free transactions per month. Additional transactions are dependant upon membership club level. See chart below for details. |
*PLUS ATMs are $1.50/transaction |
| Relationship Groups |
Youth Club |
Value Club |
Choice Club |
President's Club |
| Non-KEMBA Owned ATM Transactions |
8 free per month
$1.50/transaction thereafter |
6 free per month
$1.50/transaction thereafter |
8 free per month
$1.50/transaction thereafter |
10 free per month
$1.50/transaction thereafter | |
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