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ATM Locator

Tired of paying $1, $2 or more for using other financial institution's ATMs? Use the link below to find a surcharge-free ATM convenient to you! There are over a thousand surcharge free ATM's in the Maryland-Virginia-DC region alone!

Locate an ATM

Note: Sheetz, Royal Farms, and WAWA convenience stores offer no-surcharge access to their ATM's. A limited number of 7-11 convenience stores also offer no-surcharge ATM access.

VISA Check card or Debt ATM card purchases at any merchant may be made as often as you like without a LM Federal fee. Unlike many banks, there is never a LM Federal fee for purchases made with your VISA Check card. You may also get cash back above the purchase amount at most food stores. (Cash back is not counted as an ATM withdrawal).

Online Link to Search for ATM'S Throughout the United States

Co-op Network: Use this link to find both surcharge free ATMs and ATMs owned by other Credit Unions through which you may deposit funds to your LM Federal accounts. Over 30,000 surcharge-free ATMs are listed. These include select 7-11 convenience stores and ATMs owned by many Credit Unions.

Find a Co-op ATM when you're away from your PC

The next time you're on the road, make sure you know exactly how to find an ATM where you can get your cash for free. With more than 30,000 surcharge-free locations, you'll never be lost looking for a surcharge-free ATM again!

By Phone: Call 888-SITE-CO-OP to find locations using our toll-free ATM locator!

Text Messaging: Text your location - address, intersection or zip code - to 91989 from any mobile phone. Like Co-op Network ATMs, 91989 is a surcharge-free service. But check with your mobile phone provider as standard data/SMS fees may apply. And don't worry, you won't receive any unsolicited messages by using 91989.

GPS Download: Click here to download the ATM database directly to your Garmin, Tom Tom or other GPS device.

Mobile Phone Apps: Click here to download the new free mobile app for your iPhone. Click here for Android phones.

Mobile App Locator

Have a smart phone? New ATM Locator Mobile App Available!

CO-OP ATM & Shared Branch Locator

The next time you’re on the road, make sure you know exactly where to find a no-surcharge or deposit taking ATM with our new CO-OP ATM Locator App.

With more than 30,000 surcharge-free locations, you’ll never be lost looking for a surcharge-free ATM again!

The CO-OP ATM Locator applications for Android and Apple iOS are available on the Google Play and iTunes stores.

Download on the AppStore

Get it on Google Play

For more information please contact a Member Service Representative.

Choosing an ATM

  • Where possible, use ATMs with which you are most familiar. Alternatively, choose well-lit, well-placed ATMs where you feel comfortable.
  • Scan the whole ATM area before you approach it. Avoid using the ATM altogether if there are any suspicious-looking individuals around or if it looks too isolated or unsafe.
  • Avoid opening your purse, bag or wallet while in the queue for the ATM. Have your card ready in your hand before you approach the ATM.
  • Notice if anything looks unusual or suspicious about the ATM indicating it might have been altered. If the ATM appears to have any attachments to the card slot or key pad, do not use it. Check for unusual instructions on the display screen and for suspicious blank screens. If you suspect that the ATM has been interfered with, proceed to another ATM and inform the bank.
  • Avoid ATMs which have messages or signs fixed to them indicating that the screen directions have been changed, especially if the message is posted over the card reader. Banks and other ATM owners will not put up messages directing you to specific ATMs, nor would they direct you to use an ATM which has been altered.

Using an ATM

  • Be especially cautious when strangers offer to help you at an ATM, even if your card is stuck or your are experiencing difficulty with the transaction. You should not allow anyone to distract you while you are at the ATM.
  • Check that other individuals in the queue keep an acceptable distance from you. Be on the look-out for individuals who might be watching you enter your PIN.
  • Stand close to the ATM and shield the keypad with your hand when keying in your PIN (you may wish to use the knuckle of your middle finger to key in the PIN).
  • Follow the instructions on the display screen, e.g. do not key in your PIN until the ATM requests you to do so.
  • If you feel the ATM is not working normally, press the Cancel key and withdraw your card and then proceed to another ATM, reporting the matter to your financial institution.
  • Never force your card into the card slot.
  • Keep your printed transaction record so that you can compare your ATM receipts to your monthly statement.
  • If your card gets jammed, retained or lost, or if you are interfered with at an ATM, report this immediately to the bank and/or police using the help line provided or nearest phone.
  • Do not be in a hurry during the transaction, and carefully secure your card and cash in your wallet, handbag or pocket before leaving the ATM.

Managing Your ATM Use

  • Memorize your PIN. If you must write it down, do so in a disguised manner and never carry it with your card.
  • NEVER disclose your PIN to anyone, whether to a family member, stranger, or police.
  • Do not use obvious and guessable numbers for your PIN like your date of birth.
  • Change your PIN periodically. If you think it may have been compromised, change it immediately.
  • Set your daily ATM withdrawal limit at your branch at levels you consider reasonable.
  • Regularly check your account balance and bank statements and report any discrepancies to your bank immediately.