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ATMs

As a member of The Island, you have free access to over 28,000 surcharge-free ATMs nationwide.

 
 
 

Find a Surcharge-Free ATM Near You

All transactions at North Island Credit Union-owned ATMs are entirely fee-free when you use your NiftiCard®. In addition, The Island is a member of the Co-Op Network, the largest credit union-only ATM network in the country. Co-Op Network membership provides surcharge-free access at over 28,000 ATMs nationwide, which includes 9,000 deposit-taking locations, 5,500 participating 7-Eleven stores, and nearly 650 local machines.

 
Find ATMs Online By Text Message By Phone
  1. Text your location - address (with city, state), intersection (with city, state), or zip code - to MYCOOP (692667) from any mobile phone.
     
  2. In less than 30 seconds, the service will reply with the surcharge-free Co-Op Network ATM nearest to your location.
     
  3. For more ATM locations, simply reply MORE to the message and additional surcharge-free ATM locations will be sent to your mobile device.
     
This service is FREE - only standard text-messaging rates apply. 		Call (888) 748-3266 to access the voice Co-Op ATM Locator.
 
 

Other ATMs

Transactions at ATMs other than Island and Co-Op Network machines are subject to the following fees:

  • A network fee of $1 per withdrawal
  • 50¢ per inquiry (waived for members with BenefitsPLUS).
  • A surcharge (collected by the ATM owner) may apply.

ATM Deposits

Island members may make fee-free deposits at selected Co-Op and Island ATMs. Funds from deposits may not be available for immediate withdrawal. See your "Deposit Account Agreement and Disclosure" for details.

NiftiCards®

NiftiCards® are accepted at ATMs worldwide serving these and other major networks: VISA®, Plus®, Interlink®, Co-Op®