Convenient, reliable access to your money

East Coast Credit Union offers 24-hour access to your money through ATMs at most of our branch locations. For specific locations go to find branch/ATM.

In addition East Coast Credit Union members have access to other networks offering convenient access for all your banking needs when you are traveling or away from home.

You can access your money using these ATM cards along with your Personal Identification Number (PIN). The backside of the card displays the ATM network logos that indicate where your card is accepted.

The MEMBER CARD® is accepted at ATMs identified as Cirrus®, Maestro®, ACCULINK®, Interac®, THE EXCHANGE® and ACCEL®.

Full Service ATM Features

• View account balances
• Deposit money to chequing, savings and loan accounts
• Withdraw money from chequing and savings accounts
• Make bill payments
• Transfer money between accounts
• View credit union Mastercard® account balances

Surcharge Free* ATMs

Atlantic credit unions provide their members with surcharge free access to their money from coast to coast. Our partnerships with THE EXCHANGE® and the ACCULINK® networks provide our members with combined access to over 3,200 surcharge free ATMs across Canada using their ATM, direct payment and credit cards. Read more about these networks below.

Canadian credit union members have always enjoyed surcharge free access to thousands of ATMs across Canada. Now we are joining forces to talk about it cooperatively with the launch of our first national campaign to create awareness of our ding free ATM network.

Learn more about "ding free from sea to sea" here.

What is a Surcharge?

A surcharge (or convenience fee) is a fee charged by an ATM owner at the time of the transaction and appears on the ATM receipt. A surcharge ranges from $1 to $3, and comes with a warning screen before the ATM transaction is complete. Surcharges are not the same as transaction or account fees, which would appear on a member’s monthly statement - i.e. when a member exceeds the limits of a package account that comes with a fixed amount of free transactions per month.

THE EXCHANGE® and the ACCULINK® Networks

Members traveling across Canada can easily find surcharge free ATMs on THE EXCHANGE® and the ACCULINK® Networks. If you are traveling around Atlantic Canada, Ontario or British Columbia refer to THE EXCHANGE® information below and if you are travelling in Alberta, Saskatchewan and Manitoba additional ATMs can be located by referring to the ACCULINK® Network information. We  have launched a ding free ATM locator app to locate ATMs on both networks, see the details on our ding free campaign webpage.

THE EXCHANGE® is a network made up primarily of credit unions and some banks that have come together and agreed to provide surcharge-free withdrawals, deposits and PIN changes to each other’s cardholders —at thousands of ATMs across Canada.

Travelling outside of Canada: THE EXCHANGE (US), ACCEL® and the Cirrus® Networks
When travelling outside of Canada, you can access your money by looking for the ACCEL POS network, The EXCHANGE in the US or the Cirrus US and International Network logos. While you may incur additional usage fees in some cases, these convenient services are in place to provide you with instant access to your money.

Canadian credit unions  belong to the Cooperative EFT Development Association (CEDA) and participate in the ACCULINK® ATM network. ACCULINK® is the brand name for the credit union system’s proprietary, surcharge free ATM service which connects and supports over 1,800 credit union ATMs, over 380 credit unions and over 5,000,000 members.

This network provides members with many services without having to worry about paying any additional fees (standard account charges still apply) including:

  • Withdrawals within the daily maximum amount as specified by the member’s credit union at all full function and cash dispensing ATMs.
  • Deposits including cash, cheques and other negotiable items to accounts at all full function ATMs.
  • Changes to the personal identification number (PIN) at all chip enabled ATMs.
  • Transfer of funds between accounts at all full function and cash dispensing ATMs.
  • Balance inquiries of the available balance on accounts at all full function and cash dispensing ATMs.

 3 Ways to Locate THE EXCHANGE® and ACCULINK® ATMs in Canada

  • Look for THE EXCHANGE® logo and/or ACCULINK® logo on the ATMs
  • Search online:
  • Download the ding free ATM locator app from our ding free campaign webpage


Other Networks

Using a credit union ATM is the best way to avoid surcharges, but if you're in a hurry and convenience counts, your card may still be used to make withdrawals at ATMs displaying INTERAC† or Cirrus® logos. Just remember that these transactions will NOT be surcharge-free and additional fees will apply.

ATM Network Comparison

ATM Network
Balance Inquiry
Change PIN
Fast Cash
Network Coverage








*Some transaction receipts may have account balances.

®MEMBER CARD & Design are registered certification marks owned by Credit Union Central of Canada, used under license
® ACCULINK is a registered trade-mark owned by Credit Union Central of Canada, used under license.
® THE EXCHANGE is a registered trade-mark of Fiserv Inc., licensed for use in Canada by FICANEX Services Limited Partnership.
®DING FREE & Design are registered trade-marks of Central 1 Credit Union, used under license.
®Trade-mark of Interac Inc. Used under license.
®The Cirrus Brand Mark is a registered trademark of Mastercard International Incorporated, used under license.


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