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(801) 223-8188
Mon – Fri: 8:00 am – 6:00 pm
Sat: 9:00 am – 2:00 pm
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or send us a message from inside online banking.
Free ATMs Nationwide
Access to cash in more places
UCCU Offers Over 85,000 ATMs Nationwide Absolutely Free with an Elevated Checking Account
UCCU has partnered with the Co-op and Allpoint ATM networks to bring our members over 85,000 ATMs and over 5,600 branches nationwide! Just find a participating ATM, use your UCCU debit card at any Co-op or Allpoint ATM location, and you will not pay fees when you have an Elevated Checking Account.
Find a participating ATM near you
Both Allpoint ATMs and Co-op ATMs are free for UCCU members with an active Elevated Checking Account.
Allpoint ATM Locator
- Visit the Allpoint ATM Location Page.
- Input a city, zip code, or exact address and find the closest ATM to the desired location.
**Download the Allpoint App for even quicker ATM access
Co-op ATM Locator
- Visit the Co-op ATM Location Page.
- Input a city, zip code, or exact address and find the closest ATM to the desired location.
**Download the Co-op App for even quicker ATM access
Other ways to find a Free ATM Nearby
Find a UCCU ATM Near Me
Visit any Utah Community Credit Union branch location to find an ATM. Some branches also have ITMs (Live Video Tellers) to give you more banking support for UCCU Members.
Find a Co-op ATM Near Me
You can also search for CO-OP ATMs via text, call, or live help by following the steps below:
Text
- Send a **text to 91989 from any mobile device. In the body of the text, enter an address (with city, state), zip code or intersection (with city, state).
- In about 30 seconds or less, the service will reply with the CO-OP Network surcharge-free ATM nearest that location.
- If you want more ATM locations, simply reply MORE to the message and additional Co-op ATM locations will also be sent to your mobile device.
*SB = Shared Branch; SBX = Shared Branch express
**Standard text messaging rates may apply. Check with your mobile phone service provider on messaging rates.
Call
- Call 888-748-3266 to find a location by telephone.
Live Help
- Call 888-837-6500 for live personal assistance.
Find an Allpoint ATM Near Me
Download the free Allpoint App to quickly find an ATM nearby.
Allpoint App Features
- Designed unique to your phone’s features
- Geo-locator — Find the nearest location without entering your address or ZIP code
- Scroll through a list of the closest locations
- Overview map and directions
- Share feature to email or SMS locations
You can also contact Allpoint for questions you may have regarding finding an ATM
Free Nationwide ATMs
Enjoy free access to over 30,000 Co-op ATMs nationwide when you sign up for UCCU’s Elevated Checking.
(801) 223-8188 | Branch Locations
Available M–F 8am–6pm, and Sat. 9am–2pm*.
*Saturday lobby hours vary per Branch Location
Frequently Asked Questions
How do I know which ATMs are part of my Elevated Checking Benefits?
There are three different ATM networks listed below.
- UCCU ATMs: These can be found at all UCCU Branch locations as well as other locations throughout Utah. These are free ATMs available for all UCCU members both with and without Elevated Checking
- Allpoint ATM Network: Over 55,000 ATMs nationwide. Find an Allpoint ATM Location for participating ATMs as well as 5600 participating branches. These ATMs are free for all members with an active Elevated Checking Account.
- Co-op ATM Network: Over 30,000 ATMs nationwide. Find a Co-op ATM Location for participating ATMs. These ATMs are also free for all members with an active Elevated Checking Account.
All other ATMs outside of the networks listed may be subject to surcharge fees as well as out-of-network fees.
Are there additional fees I should be aware of when using a participating ATM?
Most ATMs have two fees attached to the use of their machine, firstly, surcharge from the ATMs owner (commonly known as a transaction fee) and secondly, a out-of-network fee charged by your bank or credit union.
- Surcharge Fee: Also known as a transaction fee, is often custom based on the machine you are using. The fee is usually attached to the convenience of the machine and is also established by the owner of the ATM used. Surcharge fees will be waived by Utah Community Credit Union as long as the ATM used is in the Allpoint or Co-op ATM Networks.
- Out-of-Network Fee: If you do not use your banks or credit unions own ATMs, you may get charged an “Out-of-Network” fee for using another businesses Automated Teller Machines. Out-of-Network fees will be waived when using a participating Co-op or Allpoint ATM Networks with UCCUs Elevated Checking.
What should I do if I was charged for using an ATM?
Its always easier to prevent charges than attempt to reconcile them. When using an ATM, make sure to read it’s terms and conditions to verify any charges that may occur. You may get charged transaction fees from the ATM, but with UCCU’s Elevated Checking, the Out-of-Network Fee will be waived. For any additional questions, you can also contact UCCU at 801-223-8188.
What ATM locations are available in Utah?
You can also use the UCCU Branch Locations page for UCCU ATM locations.
More Elevated Benefits
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Benefits are subject to change at any time and without notice. Some benefits require registration and activation. Terms and conditions apply. Click here for Elevated Checking details and guide to benefits for coverage and exclusions.