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Find Free ATMs

Search For Thousands of Surcharge-Free ATMs

  • St. Cloud Federal Credit Union is part of the CO-OP Network ATM network (with more than 28,000 ATMs nationwide) and the MoneyPass ATM network (with more than 20,000 ATMs nationwide).
  • As a member of St. Cloud Federal Credit Union, you can make free withdrawals, transfers, and inquiries with a St. Cloud Federal Debit Card or ATM Cash Card.
  • You can access your primary savings account or checking account 24 hours a day, 7 days a week.
  • You may withdraw up to $500 a day.


The CO-OP Network gives our members four ways to find surcharge-free ATMs.

1) Text Messaging:

Text the address or zip code or intersection to 692667 (MYCOOP). You’ll receive a text response with the location of the CO-OP ATM nearest the location you requested. (Please remember – do not text while driving.)

2) iPhone App:

3) CO-OP Network Online Locator

Important Notice Regarding Deposits at ATMs
When you search for locations of ATMs on the CO-OP or MoneyPass Networks, you’ll notice that some ATMs accept deposits.

However, deposits for St. Cloud Federal Credit Union ARE NOT accepted at ANY ATMs.

Here’ s why . . . Financial institutions that accept ATM deposits put a 3-day to 5-day hold on those deposits. For this reason, the Credit Union decided it is in the best interest of our members not to accept ATM deposits.

If you need to make after-hours deposits, please deposit them in our night depository at our St. Cloud or Sartell office. You will receive next-day credit.


The MoneyPass Network gives our members three ways to find surcharge-free ATMs.

1) iPhone App:

2) Android App

3) MoneyPass Network Online Locator

Important Notice Regarding Deposits at ATMs
When you search for locations of ATMs on the CO-OP or MoneyPass Networks, you’ll notice that some ATMs accept deposits.
However, deposits for St. Cloud Federal Credit Union ARE NOT accepted at ANY ATMs.

Here’s why . . . Financial institutions that accept ATM deposits put a 3-day to 5-day hold on those deposits. For this reason, the Credit Union decided it is in the best interest of our members not to accept ATM deposits.

If you need to make after-hours deposits, please deposit them in our night depository at our St. Cloud or Sartell Offices. You will receive next-day credit.

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