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.
Access Thousands of Convenient, Fee-Free ATMs

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

