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ATM Network

As a Community First member, you can access your money anywhere, any time - without paying fees. Learn more about our convenient ATMs and the services available to you.

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Access Thousands of Convenient, Fee-Free ATMs

50+ Community First ATMs
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Discover convenient full-service ATMs including:

  • 19 Branch Walk-Up ATMs
  • 22 Branch Drive-Thru ATMs
  • 9 Standalone ATMs Including 3 at Jacksonville International Airport
  • 5 Drive-Up ATMs with 24-hour Access
Find an ATM
30,000+ Co-Op ATMs

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Pay no fees with your Community First Visa® debit card at CO-OP ATMs. Just look for this symbol.

  • Access to more than 30,000 surcharge-free ATMs in our network.
  • Learn more
Find a Co-Op ATM
Access Your Cash Without the Fees, Wherever You Are

Learn More About Network ATM Services Available to You

With your debit card, you can:

  • Make cash and check deposits at participating CO-OP ATMs*
  • Withdraw cash
  • Transfer funds between your Community First shares* (availability may vary by location)
  • Check your account balances (availability may vary by location)

Please note:

  • Deposited funds may not be available for immediate withdrawal.
  • The daily deposit limit at CO-OP ATMs is $7,000 per card.*

Find a CO-OP ATM near you:

  • Use the CO-OP ATM Locator
  • Call 1-888-SITECOOP (748-3266)
  • Text your location (address, zip code, or city/state) to 91989 to receive nearby ATM locations. Text “more” for additional results.

Using your Community First Visa® debit card you can also access the Plus Alliance network for expanded cash access!

  • Tens of thousands of additional fee-free ATMs nationwide
  • Perfect for travel and quick access

Together, that’s more than 85,000+ ATMs nationwide!

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FAQ

What is a CO-OP ATM?

A co-op ATM is an automated teller machine that is part of the CO-OP network - the world's largest credit union ATM network. These surcharge-free ATMs allow credit union members to withdraw cash, deposit cash or checks, check balances, and more common transactions without paying fees*.

Which ATMs Can I Use My Debit Card at Without Paying Fees?

As a Community First member, you can access any Community First ATM, CO-OP ATM, or Plus Alliance ATM without paying fees*. Most of our branches have at least one ATM, while some have a walk-up and drive-thru ATM. There are also five drive-up ATMs with 24-hour access.

Also pay no fees when you use your debit card at a CO-OP ATM. Look for a CO-OP ATM in three easy ways:

  • 1) Call 1-888-SITECOOP (748-3266)
  • 2) Text your location (address, zip code, or city/state) to 91989 to receive nearby ATM locations. Text “more” for additional results.
  • 3) Use our ATM locator and search for surcharge-free ATMs that show the red CO-OP ATM symbol.

Since your Community First debit card is a Visa® card, you can also pay no fees when you use the Plus Alliance network. These surcharge-free ATMs are available at many common stores and establishments. Visit the Visa® locator to find an ATM.

Can I deposit money at a CO-OP ATM?

Yes, you can make cash deposits at CO-OP ATMs*.

How Can I Tell If I Am Using a CO-OP ATM?

You can make sure you're using a surcharge-free CO-OP ATM by looking for the CO-OP symbol on signage above or near the ATM. (Some machines may also have this information on the welcome screen.)

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*All Community First Credit Union charges, fees, deposit limits and funds availability still apply.