Surcharge Free ATMs

Quickly locate a surcharge-free ATM in Cambridge, MA, and beyond by tapping into MIT Federal Credit Union's ATM network through SUM, CO-OP, and MoneyPass. Use your MITFCU ATM or Debit MasterCard® up to eight times monthly at non-MITFCU ATMs without incurring a fee. 

Download the MIT FCU App

Tap into a network of more than 28,000 surcharge-free ATMs on your iPhone/iPad or Android using either of our free MIT FCU Apps.

App Store
Download for iPhone/iPad Available on the App Store

Google Play
Download for Android Android App on Google Play

Find Surcharge-Free ATMs via Text Message

Get the location of a surcharge-free ATM texted to your mobile phone. Standard text-messaging rates apply. 

  1. Send a text to MYCOOP (91989) and enter your location address, zip code or intersection 
  2. You'll receive a reply from CO-OP Network within 30 seconds with the nearest surcharge-free ATM location
  3. Reply with "More" and you'll receive a longer list of nearby ATMs in the network