The Alliance One Network, a national network of surcharge-free ATMs, are identified by their logo (as seen in the above left corner); you can use that ATM with no fear of being surcharged. Click here to locate ATMs within the Alliance One Network.

We also have a partnership with 5/3^rd Bank to allow GECU members to make cash withdrawals at 5/3^rd Bank ATMs, located in 12 states, without being surcharged. 5/3^rd Bank has over 2,300 ATMs in the following states: Ohio, Florida, Georgia, Illinois, Indiana, Kentucky, Michigan, Missouri, North Carolina, Pennsylvania, Tennessee, and West Virginia. Click here to locate 5/3^rd Bank ATMs.

Understanding Fees and Surcharges

Understanding the fees and surcharges associated with ATMs can be confusing. Please see the following information for a better understanding.

Fees vs. Surcharges

• An ATM fee is assessed by GECU to members using Foreign (non-GECU) ATMs. We are passing along a small portion of the fee GECU is charged for this transaction; it helps to offset our costs.

• Members may be surcharged at non-GECU ATMs. ATM surcharges are charges that ATM owners assess to those using their machines; users are informed about the surcharge when making their ATM transaction. A surcharge may range anywhere from $1 - $5. Please note: We do not charge this fee, it is controlled by – and collected by – the ATM owner.

GECU vs. Foreign (Non-GECU) ATM Fees

• GECU ATMs:
  • When you use an ATM owned by GECU, there is no fee or surcharge for any transaction. Click here to locate GECU ATMs.
• Foreign ATMs:
  • Foreign ATMs are ATMs which GECU does not own. As discussed above, these ATM owners may charge a surcharge fee to use their machine. Please note, we do not charge this fee, it is controlled by - and collected by - the ATM owner.
  • ATMs in the Alliance One network do not incur a surcharge.* GECU members can also make surcharge-free cash withdrawals at 5/3rd Bank ATMs. To help offset our costs, we do pass on a small portion of the fee we are charged for the transaction.
    • $.50 for Jeanie_℠ network ATM transactions (this includes 5/3^rd Bank ATM transactions) and
    • $.75 for non-Jeanie network ATM transactions (i.e. STAR or PULSE network ATMs).

*When using a foreign ATM within the Alliance One network, occasionally machines will display a standard surcharge message on the screen during your transaction. Despite seeing this message, Alliance One network members will not actually pay this surcharge when the transaction is processed through the network. This list is updated continually and is up to the institution who owns the ATM to notify the Alliance One network of any changes. Please check your account to confirm this surcharge has not been charged to your account.