ATM Locator

XCEL Credit Union members have access to thousands of ATM’s!  We participate in the CO-OP Network, offering more than 30,000 surcharge-free ATMs from coast to coast.  Look for the red CO-OP NETWORK logo on the back of your card (see below).  If the ATM you are using has that logo, it is surcharge-free.

You may also locate additional surcharge-free ATM locations by clicking on the CO-OP Network logo below.  Please note that you can download the CO-OP NETWORK ATM’s to your GPS, locate CO-OP ATMs via the iPhone app, use the online locator or even text your zip code to 91989 and you will get the three closest CO-OP ATMs near you.


Your XCEL VISA CheckCard is also accepted at all CIRRUS and PLUS ATM machines.  The VISA CheckCard is also accepted at millions of merchants displaying the VISA logo. A good way to get cash without paying the fee is to use your Visa CheckCard to make a purchase and then request cash back.

There are no fees when you use an XCEL-owned ATM (listed below):



New York City 

  • 4 World Trade Center, 15th Floor (Deposits Accepted, *restricted access/ Port Authority ID required
  • 26 Federal Plaza (Two ATMs on the first floor lobby and one accepts Deposits)
  • 201 Varick Street
  • 290 Broadway (Deposits Accepted)

Jamaica, NY

  • JFK Airport, Bldg. 14 (Deposits Accepted)
  • 1 Jamaica Plaza (Deposits Accepted)

LaGuardia Airport

  • Marine Air Terminal, Building 81

Staten Island, NY

  • Goethal’s Bridge, 2777 Goethals Road North



Bloomfield, NJ

  • 1460 Broad Street (Deposits Accepted)

Fort Lee, NJ

  • 220 Bruce Reynolds Blvd (Deposits Accepted)

Jersey City, NJ

  • 2 Montgomery Street  (Deposits Accepted, *restricted access/ Port Authority ID required)
  • 241 Erie Street*  (Deposits Accepted, *restricted access/ Port Authority ID required)
  • 30 Path Plaza – Journal Square (Deposits Accepted)
  • 100 Burma Road – (Restricted Access)

Newark Airport

  • Airport, Building 80 (Deposits Accepted)
  • Airport, Building 1 (Administration Building)

Weehawken, NJ

  • 500 Blvd East (Deposits Accepted, *restricted access/ Port Authority ID required)