ATM & CASH ACCESS
Need cash? With more than 100,000 options, there's probably one where you work, travel, or shop.
ATMs & Locations
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As a Credit Union member, in addition to the ATMs located at our branches, you have access to two networks of ATMs, stretching coast to coast and internationally. In-network ATMs are located in a variety of places – such as other credit unions. But a financial institution isn’t your only option as ATMs are located inside many popular retailers. It’s easy to grab some cash, or in some cases deposit a check, all while you do your regular shopping. With more than 85,000 surcharge-free ATMs,Ф that’s more than Bank of America, Chase and Wells Fargo combined.* When you're out and about, just look for an ATM with a CO-OP or Allpoint logo to get started.
CO-OP ATM NETWORK
- More than 33,000 surcharge-free ATMs nationwide
- More than 8,000 deposit-taking locations
- Located in other Credit Unions and retailers
- Retailers include 7-Eleven, Costco and more
Use our locator search to find one near you.
Just look for this logo:
Allpoint ATM Network
- More than 55,000 surcharge-free ATMs nationwide
- Located Across the United States, including Puerto Rico and in Mexico, the United Kingdom and Australia
- Retailers include Target, CVS Pharmacy, Walgreens and more
Use our locator search to find one near you.
Just look for this logo:
CREDIT UNION BRANCH ATMs
- American Airlines Credit Union branch locations have surcharge-free ATMs.
- We offer workplace convenience for our members:
- Skyview and Envoy campuses
- Major American Airlines maintenence bases
- Outside branches in HUB airports
Use our locator search to find one near you.
Branch ATM services can vary and may include:
- Check or cash deposits
- Cash advances from a credit card
- Funds transfers between accounts
Cash Back at Point-of-Sale
- When you pay with your debit card at the store, opt to receive cash back. The cashier will give you cash, and the amount will be added to your total transaction.
- Many retailers have withdrawal limits and may charge a fee, so be sure to check with the store before getting cash back.
CO-OP ATM NETWORK
- More than 33,000 surcharge-free ATMs nationwide
- More than 8,000 deposit-taking locations
- Located in other Credit Unions and retailers
- Retailers include 7-Eleven, Costco and more
Use our locator search to find one near you.
Just look for this logo:
Allpoint ATM Network
- More than 55,000 surcharge-free ATMs nationwide
- Located Across the United States, including Puerto Rico and in Mexico, the United Kingdom and Australia
- Retailers include Target, CVS Pharmacy, Walgreens and more
Use our locator search to find one near you.
Just look for this logo:
CREDIT UNION BRANCH ATMs
- American Airlines Credit Union branch locations have surcharge-free ATMs.
- We offer workplace convenience for our members:
- Skyview and Envoy campuses
- Major American Airlines maintenence bases
- Outside branches in HUB airports
Use our locator search to find one near you.
Branch ATM services can vary and may include:
- Check or cash deposits
- Cash advances from a credit card
- Funds transfers between accounts
Cash Back at Point-of-Sale
- When you pay with your debit card at the store, opt to receive cash back. The cashier will give you cash, and the amount will be added to your total transaction.
- Many retailers have withdrawal limits and may charge a fee, so be sure to check with the store before getting cash back.
SHARED BRANCH NETWORK
MORE THAN 5,400 SHARED BRANCHES
What is the shared branch network? Since most Credit Unions have fewer branches than banks, Credit Unions have partnered together allowing their members to visit a branch of another Credit Union. This large network means you’ll usually have a convenient option nearby.
How does it work? When you visit a Credit Union in the network, you can deposit, withdraw or make payments on your accounts. You'll just need to know your account number and show your photo ID.
Note: If you have an out-of-state driver license, you will be required to complete extra ID verification before speaking to a teller. You can get started in advance by clicking here.
Where do I find one? Visit our locations page and select “Shared Branches” from the “More Filters” drop down.
ATM & CASH ACCESS FAQ
Withdrawal limits vary by account type. You can use a debit card to withdraw up to $2,000 from a Flagship Checking account. All other checking accounts have a limit of $1,100. If you don't have a checking account and use an ATM card, the limit is $1,100. For larger amounts, you may request a temporary limit increase by calling (800) 533-0035.
Prior to dispensing cash, if a fee will be charged, you'll be notified on the ATM display screen. Note: In some cases, a machine maybe be labeled as one of our network partners when, in fact, the ownership has changed. Always confirm on the digital screen.
Your debit and ATM card should work at almost any ATM worldwide. However, if you use an ATM that's outside of our network, you may be charged a fee from the ATM vendor as well as the Credit Union. Click here for our current fees.
Members with a Priority Checking or uChecking account may qualify for ATM refunds if they meet certain requirements.
ATMs owned and operated by the Credit Union are not enabled with tap technology. Digital card capabilities in ATMs operated by the Co-op and Allpoint Networks vary by location.
Deposit capabilities vary across ATMs. To find a deposit-taking ATM near you, visit our locations page and select “Deposit Taking ATMs” from the “More Filters” menu option.
When you visit a shared branch, you'll be able to carry out transactions on your checking and savings accounts. You can't open accounts or make payments on loan products.
Debit Card Features
Unlimited access to more than 85,000 surcharge-free ATMs
- 70,000 domestic ATMs
- 15,000 international ATMs
Fraud Protection
- Zero liability for unauthorized debit card transactions†
- Fraud text alerts♦
- 24/7 debit card fraud monitoring
Online Card Management
- Set up travel notifications.
- Temporarily turn cards on and off when misplaced.
- Report a card lost or stolen.
Don't have a checking account with us or want to see what your options are?
* ATM numbers accurate as of 06/16/2025, according to nerdwallet.com/article/banking/largest-banks-in-the-us.
Ф Surcharge-free withdrawals at selected ATMs only. Look for participating retailers at AACreditunion.org/locations for surcharge-free ATMs.
CO-OP Shared BranchSM and CO-OP ATMSM are marks of CO-OP Financial Services.
Allpoint is a registered trademark of ATM National, LLC. Allpoint is not a mark of American Airlines or American Airlines Federal Credit Union.
† Visa's Zero Liability Policy covers U.S.-issued cards and does not apply to ATM transactions, PIN transactions not processed by Visa, or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use on their card. Consult issuer for additional details or visit Visa.com/security.
♦ Message and data rates may apply. Check with your mobile provider.
Visa is a registered trademark of Visa International Service Association.
