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Part of what makes SWACU so unique is that we're made up of members all across the country. We know that means giving our members nationwide access to their money is vital. 

That's why we've partnered up with the CO-OP and MoneyPass ATM networks to give you access to 30,000 surcharge-free ATMs all around the US. So you can always access your money for free, no matter where you are!

  • Easily find an ATM virtually anywhere in the US
  • Make surcharge-free withdrawals at nearly 55,000 locations nationwide
  • Make surcharge-free deposits at over 5,000 CO-OP ATMs locations nationwide
  • Easily search for the location nearest to you

Find the nearest MoneyPass ATM

Find the nearest CO-OP ATM

ATMs everywhere

With almost 55,000 ATMs across the US and Puerto Rico, these ATMs are commonly located in popular retail stores, such as Circle K, 7Eleven, Costco, Publix, and more retailers. They also can be found at other participating financial institutions.

If you frequent ATMs often, make sure to either bookmark either or both of the ATM Locator pages linked above.

ATM Refunds

If you use an ATM that is not a part of the MoneyPass network and you have a LUV Rewards or LUV Tunes checking account, you can be reimbursed your domestic ATM fees up to $20.00* per month at the end of the statement cycle when you meet the qualifications. 

Want to change your checking account to get ATM reimbursements? Switch or add a LUV Rewards or LUV Tunes checking.

*Up to $20.00 in domestic ATM fees incurred during qualification cycle will be reimbursed if qualifications are met within monthly qualification cycle.


What are the MoneyPass and CO-OP ATM Networks?
MoneyPass and CO-OP are two of the largest ATM networks, with almost 55,000 ATMs in the U.S. and Puerto Rico that provide surcharge-free cash access for participating banks, credit unions, and prepaid card providers. These can be found at 7Eleven, QuikTrip, and other participating financial institutions.

What does surcharge-free mean?
A surcharge is a fee the owner of the ATM machine charges any cardholder not part of their network.  It’s a fee you pay to use someone else’s ATM. Surcharges are typically between $1.50 and $5.00. Because we enhanced our ATM network, you won’t have to pay the ATM fee, because it’s surcharge-free.

Where can I find a surcharge-free ATM?
You can find these ATMs at credit unions all over the country and popular retail locations, such as Circle K, 7Eleven, Costco, Publix, and other retailers.

Find the nearest MoneyPass ATM

Find the nearest CO-OP ATM

How often is the location data on the MoneyPass and ATM CO-OP websites updated?
Both MoneyPass and ATM CO-OP update any changes to their network on a weekly basis.

Can I make a deposit at MoneyPass and CO-OP ATMs?

  • MoneyPass: On their ATM Locator search bar, select the drop-down menu and check the “Deposit Taking” option.
  • CO-OP: On their ATM Locator, select Advanced Search, and check the “Take Deposit” option.

What should I do if a MoneyPass or CO-OP ATM asks that I accept a surcharge?
Double-check that the ATM has either a MoneyPass or CO-OP logo on the machine or screen before starting your transaction. In the event it asks you to pay a surcharge, please contact us. To expedite the process, it is helpful to have the exact address, date, and time of the ATM transaction – this should all be on the ATM receipt.

Where is the closest MoneyPass ATM?

Locate it Now

Where is the closest CO-OP ATM?

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