No Fee ATM Locations

All of our branches offer no fee ATM transactions for members 24/7. These locations also provide a night drop box for deposits and credit union payments. Non-members who use the machine will be charged a $1.50 transaction fee in addition to any surcharges by their own financial institution.


Other ATM Locations

The Niagara’s Choice Debit card is honored worldwide. Check the reverse of your card for the worldwide partner networks.  Please be aware that many ATM operators (not the credit union) impose certain fees for using their machines. These are always clearly posted or indicated in the process of making a transaction. It is the consumer’s choice whether to pay these fees by using a specific machine. Niagara’s Choice FCU Debit cardholders may process FOUR “Non CU Surcharge*” transactions each month; each additional transaction is $2.00. The card can also be used at retailers. These “at the register” transactions will also often permit a request for additional “CASH” back in addition to payment for purchases and do not incur transaction fees. Click here to search for a Co-Op ATM near you.

* “Non CU” refers to ATMs not located at one of our branches.