SUM Overview

SUM® is the surcharge-free program offered by NYCE Payments Network, LLC. The SUM program helps financial institutions grow and retain deposit customers who are interested in the convenience of ATM access without the “fee annoyance” usually experienced at non-proprietary ATMs. SUM program members who deploy ATMs have the added benefit of drawing surcharge-fee conscious cardholders to their ATMs, adding to their ATM interchange revenue.

To help market and promote the SUM program, we've provided a comprehensive library of support materials. These tools can be used as is - with the simple addition of your institution's name or logo - or you can use elements of these tools to create your own customized materials. From Web site banners, to statement inserts and postcards, we think you’ll like the tools you find here.

If you have questions, please send an e-mail to

You will need Adobe Acrobat to view those tools where "[View PDF]" is indicated. If you do not have Adobe Acrobat, you can download the software program at