New Waterford Credit Union offers 24-hour access to your money through ATMs at our convenient location on Plummer Avenue.

In addition, New Waterford Credit Union members have access to other networks offering convenient access for all your banking needs when you are traveling or away from home. The backside of your card displays the ATM network logos that indicate where your card is accepted.

Your credit union debit card is accepted at ATMs identified as Cirrus®, Maestro®, ACCULINK®, Interac®, THE EXCHANGE® and ACCEL®. The New Waterford Credit Union Collabria Mastercard® (personal) Credit Cards are accepted at all machines identified as accepting Cirrus®. The New Waterford Credit Union Collabria Visa Card (business) Credit Cards are accepted at all machines identified as accepting PLUS®.

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

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.

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.

THE EXCHANGE® Network

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.

ACCULINK® Network

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 1,900 credit union ATMs, over 250 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. 

To locate THE EXCHANGE®  and ACCULINK® ATMs in Canada look for THE EXCHANGE® logo and/or ACCULINK® logo on the ATMs.  

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

^{*Some transaction receipts may have account balances.}

 ^{®The Collabria Mastercard is issued by Collabria Financial Services Inc. pursuant to a license from Mastercard International Incorporated. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated. The Collabria Visa Card is issued by Collabria Financial Services Inc. pursuant to a license from Visa. *Trademark of Visa Int., used under license. ® ACCULINK is a registered trade-mark owned by owned by Canadian Credit Union Association, 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.}

^{®PLUS is a registered trademark of Visa International Service Association and is used under license.}