You can use the ATM surcharge free at thousands of ATMs. Look for THE EXCHANGE logo.

*transactions fees may apply based on  your account

Ding Free ATMs – from sea to sea

From BC to Newfoundland, credit union members have access to over 1,800 surcharge-free ATMs. Added up, that's a bigger ATM network than most banks. And it's all ding free®.

No surcharges — the power of membership

Need surcharge-free access to cash?
Look for THE EXCHANGE® logo when using your card in Canada or the USA.

Surcharge FREE!

The banks and credit unions on THE EXCHANGE® Network have agreed to never charge each other’s cardholders surcharge fees. You will never pay any additional fees to access your own money even if you use another Financial Institution’s Exchange® ATM. Yes, you still have to pay your normal account fees but that’s it, nothing extra. This truly means that if you are a bank customer you can use the credit union ATMs and Credit Union members, you can use the bank ATMs on THE EXCHANGE® network without incurring any surcharges. Just look for THE EXCHANGE® logo at or near the ATM to avoid surcharges.

Deposit information

Whether you’re a Newfoundland Credit Union member or an EKC member you can use any of the deposit-taking ATMs on THE EXCHANGE® network to make a deposit. Really! Check out the list of participating Financial institutions, at THE EXCHANGE here.

USA access

When you’re traveling within the USA, THE EXCHANGE® Network is still available to you. Just look for THE EXCHANGE® logo. The majority of Exchange ATMs in the USA are also surcharge free but you may find that some states will have a nominal charge. For more information on the US Point of Sale network please click here.

You can access thousands of ATMs across Canada and the USA. Check out THE EXCHANGE® ATM Locator.

For more details see


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