Surcharge-free ATMs

SUM Surcharge-Free Program

Some people pay a surcharge at the ATM. SUM don’t.
ATMs offer extraordinary convenience, providing anytime access to cash and account information in the smallest towns and biggest cities, where you live, travel and shop. However, if you use an ATM not affiliated with your own financial institution, you might be required to pay an additional fee for the convenience.

The SUM® program gives you the convenience of ATMs and saves you money by offering surcharge-free access to thousands of ATMs around the country. If your financial institution is a SUM program member, you can use any SUM ATM without paying a surcharge.

What is SUM?

SUM is a convenient and easy way to avoid surcharge fees. Cardholders of financial institutions that have joined the SUM program can withdraw funds from SUM ATMs at thousands of ATMs around the country and in Puerto Rico. If your financial institution participates in the SUM program, just look for the bright red SUM logo. Visit for more information.

It’s your money. Save SUM.

Enjoy the benefits of the SUM program immediately with access to thousands of ATMS nationwide. You don’t have to register, and all you need to withdraw cash without a surcharge is your financial institution-issued ATM card. Regardless of how many ATMS your financial institution has, with SUM you have more options for cash withdrawals without an ATM surcharge fee.