All About ATMs

If you’ve ever grabbed cash on your way to a weekend adventure or checked your balance between errands, you’ve used one of the most enduring innovations in modern banking: the ATM. And its story starts in a surprisingly quirky way.

The first ATM appeared in 1967 in north London, before ATM cards were even invented. Instead of swiping plastic, people inserted paper vouchers printed with radioactive ink, typed in a code, and received up to £10. It was the beginning of a global shift in how people access their money.

Fast‑forward to today, and there are around 3 million ATMs worldwide, serving millions of people every day.

In this guide, we’ll break down the basics: what ATMs are, what you can do at an ICCU ATM, how to find one, and how much cash you can withdraw.

What Is an ATM?

An ATM (Automated Teller Machine) is a self‑service banking tool that lets you access your money without visiting a branch. It’s essentially a secure, 24/7 extension of your credit union: always available and always ready to help with quick everyday transactions.

At its core, an ATM connects you to your financial institution through a secure network. When you insert your debit card and enter your PIN, the machine verifies your identity, communicates with your account, and completes the transaction you request.

They were created to make banking faster and more convenient, and that purpose hasn’t changed. What has changed is how much they can do. Modern ATMs offer more features, stronger security, and easier access than ever before, making them a simple and reliable tool for managing your money on the go.

What Can I Do at ICCU ATMs?

ICCU ATMs are here to make everyday banking quick and convenient. At any ICCU ATM, you can:

• Withdraw cash. Get cash anytime, day or night, from your checking or savings account.
• Deposit cash and checks. Most ICCU ATMs accept both cash and check deposits, no envelope needed. Your deposit is counted and confirmed on-screen so you know exactly how much was accepted.
• Transfer money between ICCU accounts. Move funds instantly between your ICCU checking and savings accounts.
• Check your account balances. See your available balance without logging into the app or visiting a branch.
• Enjoy added security and convenience. ICCU ATMs use encrypted PIN entry, secure card authentication, and modern hardware to protect your information. Many machines also offer features like digital receipts for easy record keeping.

Where Can I Find Them?

Finding an ATM when you need one should be simple. With ICCU, it is. As a member, you have access to a wide network of ATMs throughout the west.

ICCU Locations

You’ll find ICCU ATMs at our branches and in convenient locations throughout the communities we serve. These machines offer the full range of features, including deposits, withdrawals, transfers, and balance inquiries.

CO-OP ATM Networks

ICCU is part of the nationwide CO‑OP ATM Network, which gives you access to nearly 30,000 surcharge‑free ATMs across the United States. That means you can use participating ATMs at many credit unions, convenience stores, and retailers, all without paying a fee.

It’s a great way to access your money when you’re traveling.

The ICCU App and Website

The ICCU app includes a built‑in ATM locator that helps you quickly find the nearest ICCU or CO‑OP ATM. Just open the app, tap “Locations” in the menu, and you’ll see a map of surcharge‑free options near you.

Alternatively, you can browse ATMs at specific ICCU locations on the site. Simply click the green information button next to your nearest branch to see if they offer an ATM.

Do ICCU ATMs Charge Fees?

ICCU cardholders are not charged a fee to use ICCU ATMs or any CO-OP ATM. When traveling, look for the CO-OP logo to avoid fees.

Outside of ICCU and CO‑OP ATMs, standard ATM fees may apply. You may be charged a processing fee when using an ATM outside the CO‑OP Network. Similarly, if you bank with another financial institution, you may be charged a fee to use ICCU’s ATM. In some cases, that institution may also impose its own fee, which is not returned to ICCU.

How Much Cash Can I Withdraw at an ICCU ATM?*

ICCU sets daily ATM withdrawal limits to help protect your account while still giving you reliable access to cash when you need it.

For most ICCU debit and credit cards, here’s how it works:

• Daily withdrawal limit: Withdrawals are limited to $710 per day in most situations. Exceptions may apply.
• Transaction limit: You can make up to 30 ATM transactions per day, assuming you haven’t reached the daily withdrawal amount above.

This daily limit applies to all ATM withdrawals combined, including ICCU ATMs and non‑ICCU ATMs, within the same 24‑hour period. Daily limits are set per cardholder, even if multiple cards are tied to the same account.

ATM availability can also play a role. Even if you haven’t reached your daily limit, an individual ATM may limit how much cash can be dispensed in a single transaction.

If you anticipate needing more access to cash, ICCU offers temporary card limit increases in certain situations. Members can check their current limits or request changes through the ICCU app or by contacting ICCU directly.

Bringing It All Together

ATMs are part of everyday banking, and a little knowledge goes a long way. ICCU ATMs are built to make common tasks like accessing cash, making deposits, and checking balances feel simple and dependable.

With a wide network of ICCU and CO‑OP ATMs and helpful tools in the ICCU app, finding an ATM or branch nearby is easy at home or on the road. To locate the nearest ICCU branch or ATM, visit iccu.com/locations and choose the option that works best for you.

*Limits are subject to change. These details are accurate as of May 1, 2026.