• All transactions made at MIT FCU ATMs are fee-free
• All transactions at network ATMs are fee-free (CO-OP Network, Vcom self-service kiosks, MoneyPass, NYCE)
• 8 free ATM withdrawals per month at non-network ATMs. $1 after after that. (Up to $5 reimbursed with Smart Money Rewards)
• Use of MIT FCU ATMs by out of network cards - $2.25. Additional fees may be charged at ATMs not owned or operated by MIT FCU.

Deposits made at an ATM are held for varying business days, depending on a number of factors. Please visit our Funds Availability disclosure for more information.

$15 replacement fee.

$75 for Emergency Replacement. Smart Money Rewards members may have the non-emergency replacement fee waived.