Understanding ATM Fees What is a surcharge fee? A surcharge fee is imposed by certain ATM network owners when a foreign cardholder-someone who is not a customer of their institution-uses their machine. Any machine with a surcharge must disclose the amount and give you the option to cancel your transaction without paying the fee. How do I avoid surcharge fees? To avoid surcharge fees, find a CO-OP Network ATM near you. Conduct surcharge-free transactions at more than 25,000+ CO-OP Network ATMs across the country. Now Available: Additional Surcharge Free ATMs! In addition to the CO-OP Network of free ATMs nationwide, we have added more surcharge-free ATMs for your convenience! Wawa® Stores - Over 520 stores located in PA, VA, WV, MD, DE and NC. Sheetz® Stores - Over 320 stores located in PA, OH, VA, WV, MD, and NC. What is a SDFCU transaction fee? This is an additional $1.00 per transaction network fee that may apply to you when using all non-SDFCU ATMs. A network fee is the cost of participating in an ATM network such as STAR.This fee appears on your statement as NETWORK ATM FEE. How do I avoid SDFCU ATM transaction fees? Although you will not incur a surcharge fee, you may be charged a nominal $1.00 transaction fee when using a CO-OP Network ATM unless: You have online Bill Payer service You are a Capital Club member. You use ATMs owned and operated by us. Sign up for Bill Payer and become a Capital Club member today!

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