You are here

ATM Access

Use your Cooperative Federal VISA Debit Card without any fee or surcharge at our office ATMs, and at over 100 Sharenet ATMs.

Sharenet is a collaboration among local credit unions that provides surcharge-free ATMs to credit union members. Cooperation empowers members!

​View Cooperative Federal's Office Locations (including ATM availability).

View a map and complete list of Sharenet ATM locations, on Sharenet's website.*


Important Information about ATM Balance Inquiries:

When you do a balance inquiry at an ATM, the "available balance" in your checking account includes money available to you in your checking account, AND, if you have set up overdraft protection, all overdraft protection account funds. That could include the following:

  • your line-of-credit
  • your savings accounts

This means you could withdraw funds from your savings account(s), or from your Line of Credit -- which will need to be paid back.

To find out the balance available in your checking account only, you can use Web Teller or Phone Teller any time of the day or night. Read more about self-service options and features.

If you do not want your "available balance" inquiries at an ATM to show anything but the money in your checking account, you can also turn off overdraft protection on your checking account. If you remove this link, you will not have overdraft protection on your account. You set up your overdraft protection when you open a checking account, and can change your overdraft protection preferences at any time.

To review your overdraft protection settings, to sign up for our free Web Teller or Phone Teller, or to get help with any other questions, please call Member Services at (315) 473-0220.


*Cooperative Federal is not responsible for the website content at third-party websites. Cooperative Federal's privacy disclosures do not apply; please consult that site's privacy policy for information.