Tired of Withdrawal Fees? Enjoy surcharge-free access to your money with THE EXCHANGE® ATM Network*

Locate thousands of surcharge-free
ATMs across Canada!

Use your YNCU Member Card® debit card wherever you see THE EXCHANGE® logo on ATMs across Canada.

  • Surcharge Free Withdrawals
  • Surcharge Free Deposits
  • Surcharge Free PIN Changes
  • 3 easy ways to find ATMs - Web, App & GPS ATM Finder

ATM Finder App 

Download THE EXCHANGE® ATM Finder App >

Find an ATM using GPS

Download THE EXCHANGE Network's custom Point of Interest >.
Compatible with Garmin, TomTom, and other GPS devices at

U.S. Access

When you’re traveling within the United States, THE EXCHANGE® is still available to you. Just look for THE EXCHANGE® logo. The majority of Exchange ATMs in the United States are also surcharge free but you may find that some states will have a nominal charge.**

® EXCHANGE and the ®EXCHANGE & Design are registered trademarks owned by Fiserv Inc., licensed for use in Canada by FICANEX Services Limited Partnership.

®MEMBER CARD is a registered trade-mark owned by Canadian Credit Union Association, used under license.

* Regular account service fees still apply.

** Surcharging may occur at some U.S. locations as some state laws may permit surcharging.


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