What is The EXCHANGE NETWORK?

THE EXCHANGE is a network of credit unions and banks that have come together and agreed to never charge each other's carholders any surcharge fees. This means you will never pay a surcharge fee even if you complete a transaction at another member financial institution's ATM.

There are thousands of surcharge-free ATMs across Canada where you can complete cash withdrawals, deposits, PIN changes, transfers and more!

What is an ATM surcharge fee?

It's that pesky fee which is often a couple of dollars and appears before you complete a transaction at an ATM that does not belong to your financial institution.