We encourage members, who are using our FREE or Premium FREE checking accounts, to apply for our CashPlu$ ATM/Debit card. This card is a convenient way to access your checking account funds and it doubles as an ATM card. There's no annual fee for this card and it carries the MasterCard^® logo.

If you don't have one of our fantastic FREE checking accounts, but still want to gain access to your share savings account(s), we also offer an ATM card.

Understanding Fees and Surcharges

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

Fees vs. Surcharges

The following explains the difference between an ATM fee and an ATM surcharge:

• 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. The fee is $.50 for Jeanie network ATM transactions and $.75 for non-Jeanie network ATM transactions (i.e. STAR or PULSE network ATMs).

• 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. Foreign ATMs in the Alliance One Network* do not incur a surcharge. Please note: We do not charge this fee, it is controlled by – and collected by – the ATM owner.

GECU ATM and ATM/Debit Cards

• GECU ATMs: When you use an ATM owned by GECU, there is no fee or surcharge for any transaction.
• Foreign (Non-GECU) ATMs:
  • Foreign ATMs in the Alliance One network do not incur a surcharge.* However, 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, and
    • $.75 for non-Jeanie network ATM transactions (i.e. STAR or PULSE network ATMs).
  • Foreign ATMs outside of the Alliance One network incur the same small portion of the fee from the credit union, as stated above:
    • $.50 for Jeanie ATM transactions, and
    • $.75 for non-Jeanie transactions.

    Also, if a foreign ATM outside of the Alliance One network is used, the financial institution that owns the machine may charge you a surcharge which can range anywhere from $1 to $5. Please note: We do not charge this fee, it is controlled by - and collected by - the ATM owner.

Find out more about these convenient cards by reviewing additional information found here:

• CashPlu$ Debit/ATM cards
• ATM cards
• ATM locations

If you have additional questions about our cards or ATM usage, please contact us.

*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 netwrk. 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.