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General Electric Credit Union

Our ATM Network just got bigger!

Introducing the Allpoint ATM Network

We’ve added the Allpoint Network to provide you access to 55,000+ more surcharge-free ATMs around the country! This is in addition to the Alliance One and 5/3 surcharge-free ATM Networks, bringing your total access to over 60,000 ATMs worldwide!*

Allpoint Network US Map

What is a surcharge, anyway?

A surcharge is a fee assessed by the owner of the ATM, not General Electric Credit Union (GECU). This fee can range from $1-5. By using any of our surcharge-free ATMs - Alliance One, 5/3, and now, Allpoint - this fee can be avoided. 

You’ll only be assessed a small fee for using a non-GECU ATM. 

  • $.50 for JeanieSM network ATM transactions (this includes 5/3 ATM transactions) and
  • $.75 for non-Jeanie network ATM transactions (i.e. STAR® or Pulse® Network ATMs)

Location. Location. Location.

With the addition of Allpoint ATMs, you can now find a surcharge-free ATM in many popular retailers including: Target, CVS Pharmacy, Walgreens, Rite Aid, Kroger, Speedway, Sunoco, and Costco Wholesale!

Find an ATM Near You

Understanding ATM Fees & Surcharges

GECU ATMs: When you use an ATM owned by GECU, there is no fee or surcharge for any transaction.

Foreign ATMs (non-GECU ATMs): Foreign ATMs are ATMs which GECU does not own. 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. When using a foreign ATM, you may incur the following fees:

  • ATM Fee: You will be assessed an ATM fee when using a foreign (non-GECU) ATM. We are only passing along a small portion of the fee GECU is charged for this transaction; it helps offset our costs.
    • $.50 for JeanieSM network ATM transactions (this includes 5/3 ATM transactions) and
    • $.75 for non-Jeanie network ATM transactions (i.e. STAR® or PULSE® network ATMs)
  • ATM Surcharge: Additionally, you may be assessed a surcharge-fee when using a foreign (non-GECU) ATM. These surcharge-fees are assessed and collected by the ATM owner. You will be informed of the surcharge during the ATM transaction; it typically ranges from $1-$5.

How to Avoid ATM Fees & Surcharges

  • Use a GECU ATM when possible as it's totally free for members.
  • Use an ATM in the Alliance One or Allpoint Network, as well as make surcharge-free cash withdrawals at 5/3 ATMs.
  • Get extra cash back. When you use your debit card at the grocery store, or other merchants that allow you to use a debit card with your PIN, you can ask to get extra cash back from your purchase. You simply specify the amount you'd like to receive and the cashier will give you that amount once your purchase has processed.
  • Take out enough cash for the week or pay period. By taking out a larger sum, you'll cover your cash needs for the week and can avoid multiple trips to the credit union or surcharge-free ATMs. This is a good tip to follow if you do have to use an ATM that surcharges.

 

 

 

*GECU ATM fee may apply at surcharge-free ATMs. For details, review our Fee Schedule. When using a foreign ATM within the Alliance One or Allpoint Network, occasionally machines will display a standard surcharge message on the screen during your transaction. Despite seeing this message, members using a GECU ATM/debit card at an Alliance One or Allpoint Network ATM 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 and Allpoint Network of any changes. Please check your account to confirm this surcharge has not been charged to your account.ork of any changes. Please check your account to confirm this surcharge has not been charged to your account.


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