WHEN YOU NEED AN ATM, A BIGGER NETWORK IS BETTER

When you need convenient ATM access without paying a surcharge, a bigger network is better.  PTFCU is pleased to belong to the CO-OP® Network, the largest credit union-owned ATM network in the United States.  CO-OP® Network operates 25,000 surcharge-free ATMs across the country for the benefit of 24 million credit union members nationwide.

How convenient is that?  You get surcharge-free access to twice as many ATMs as the nation's largest bank and three times as many as the second largest bank.  Anyone who's had to wander from place to place searching for an in-network ATM knows the value of more locations.  CO-OP® Network ATMs are located in credit union branches, supermarkets and 7-Eleven stores, as well as a multitude of freestanding locations.  Simply put, they're everywhere.  And CO-OP® Network ATMs are always surcharge-free for PTFCU members.

What's even better than surcharge-free ATM access?  How about choice?  Suppose you're standing in front of an ATM that doesn't belong to the CO-OP® Network and you really need the funds, regardless of surcharge.  Your PTFCU ATM or debit card works at 800,.000 ATMs worldwide, because CO-OP® Network has links to STAR, Cirrus and PLUS.  You get the best of both worlds: The largest network of fee-free ATMs and expanded choices when fees are not an issue.

CO-OP® Network isn't just bigger; it's better.  It's designed strictly for the benefit of its credit union members--no collecting fees in order to turn a profit and no making money at your expense.  Because credit unions and the ATM network they support are owned by members, the dividends (convenience, free access) are yours.  It's the largest ATM network on the planet--and it belongs to you.

In addition to the CO-OP® Network surcharge-free ATMs, you may utilize over 5,500 Fee Free ATM's at participating 7-Eleven® convenience stores and you may access more Fee Free ATM's at participating COSTCO^TM  stores.  Look for the CO-OP® Network ATM symbol on the ATM and access your PTFCU account at no charge!

For a listing of CO-OP® ATM's click here.                                                                                   

             
ANNOUNCEMENT!

ATM Locators:

Now the CO-OP®  Network offers the option to find the nearest CO-OP®  Network surcharge-free ATM by texting the following:  Text MYCOOP (692667) from any mobile phone.  In the body of the text, enter an address (with city, state), zip code or intersection (with city, state).  In about 30 seconds, the service will reply with the CO-OP®  Network surcharge-free ATM nearest to that location.  If you want more ATM locations, just reply MORE to the message and additional surcharge-free ATM locations will be sent to the mobile device.  This service is FREE to our cardholders - only standard text-messaging rates apply.

Don't have a mobile phone?  Go online -- www.co-opnetwork.org -- to find the nearest surcharge-free CO-OP® Network ATM, or use their voice locator 888 SITE COOP (748-3266).

You may also download the entire CO-OP®  Network database of 25,000 surcharge-free ATMs to your GPS navigation device such as Garmin, Tom Tom, or Route 66.  Click here for more information.

With 25,000 ATMs nationwide, CO-OP® Network is the largest surcharge-free credit union ATM network in the United States.  These ATMs are also located in select Costco, Walgreens, Cumberland Farms, The Pantry and Publix Supermarkets.  And remember, as a PTFCU member, you'll never pay a surcharge at any CO-OP® Network ATM.

More convenient ways for our cardholders to get information at their fingertips.


Below is a list of PTFCU owned ATM's. 

   

ATM Safety Tips Using an ATM may be an indispensable convenience, but is it safe?  In the overwhelming majority of cases, the answer is yes.  ATMs have been used successfully by hundreds of millions of Americans over three decades: Millions of ATM transactions take place daily without incident, which is great news for ATM users who have no intention of trading in their 24 hour access to funds. On the other hand, there is no such thing as too much safety when using an ATM.  Taking a little extra time and planning to find ATM locations that are carefully-situated, well-lit and security-oriented will not only make your experience safer, but also more relaxed. Never use an ATM unless you feel completely comfortable. Be aware of your surroundings and cautious of strangers. Don't accept help from people you don't know. Look at the card reader device on the machine.  If it looks unusual or as if there is another device attached to it, don't use the machine.  Report your findings to the ATM owner. Don't write your PIN number on your ATM or Debit card.  Keep it separate. Don't share your PIN number with anyone. Try to keep input of the PIN number out of the site of others. If making a deposit, be sure to seal the deposit envelope securely prior to inserting into the ATM machine. Promptly remove a cash withdrawal from the machine and store it properly. Promptly remove the receipt and dispose of properly; do not leave it at the machine. Check your account balance regularly and report any questionable transactions to your financial institution promptly. Keep your ATM or debit card stored securely. Report a lost ATM or debit card to your financial institution immediately.