Surcharge-Free ATMs Available to Pittsford FCU Members


Pittsford FCU is part of the CO-OP and SUM ATM Newtworks providing surcharge-free access to Rochester's largest Surcharge-free network and over 30,000 Surcharge-free ATMs nationwide and parts of Canada. Locating one of these ATMs is as easy as using the locations feature in the Pittsford FCU Mobile App or texting your street address, zip code or city and state to 692667.

The CO-OP Network provides surcharge-free access at 30,000 ATMs, which includes 9,000 deposit-taking and 5,500 7-Eleven locations throughout the U.S. and parts of Canada. Use this page to search for the nearest surcharge-free ATM or you can call 888-SITECOOP (748-3266). Kindly note: Only 7-Eleven locations with ATMs will appear on the Co-op locator.


With thousands of ATMs across the country, finding a SUM ATM is easy. Just look for the SUM logo on participating ATMs or use the locator on this page to find a SUM ATM near you.


In addition to these surcharge free networks Pittsford FCU participates in a program to provide surcharge-free access to all ESL Federal Credit Union ATM Locations.

Frequently Asked Questions


Q) How many foreign (non-Pittsford FCU owned) ATM withdrawal can I make with no fee?
A) Every month, Pittsford FCU members are allowed 6 free ATM withdrawals per account. Each additional withdrawal transaction costs $2.00. Transactions completed at PFCU ATMs in our branches are not counted toward the 6 free transactions.

Q) What if I receive a Surcharge Fee Notice when using a CO-OP, SUM or ESL ATM Machine?
A) When you use an ATM with the CO-OP, SUM, or ESL logo on it, you may be confused when it prompts you with a surcharge notice. Rest assured our agreements with these ATM Networks provide surcharge-free transactions to Pittsford FCU members. Say "yes" to the surcharge. When you check your receipt, you will see the surcharge was not actually added.

Q) How can I avoid being charged for foreign ATM withdrawals in excess of 6 per month?
A) When possible ask for cash back at the register. Many vendors, such as Wegmans, allow you to pay for your purchase as a "Debit", input your 4-digit PIN, and then request cash back as part of the transaction. We never charge a fee for this type of "cash back" transaction, and these withdrawals do not count towards your monthly limit of 6 free ATM withdrawals per account.