Northland members always have FREE ATM access within our personal network of ATMs. We have 17 convenient ATM locations. In addition, the CO-OP Network offers members access to surcharge-free ATMs almost anywhere in the U.S. or Canada!  Additional fees/surcharges may apply at Non-NAFCU/CO-OP Network ATM machines.

Quickest ways to find an ATM:

• Search our Hours and Locations page
• Check your Mobile Banking app
• Text City State to 692667 (My CO-OP)
• Call 888-748-3266 (888 SITE CO-OP)

ATMs in our personal network:  Funds from any deposits (cash or checks) made at ATMs we own or operate may not be available until the second business day of your deposit. ATMs in our personal network are located at Northland branches and prominently display the Northland logo.

Other ATMs:  Funds from any deposits (cash or checks) made at ATMs Northland does not own or operate may not be available until the fifth business day of your deposit. Deposits or payments made in an ATM, whether in cash, check, draft, or money order, are subject to verification. The posting of deposits and payments to share, share draft, or loan accounts may be delayed until they can be collected from the machine, verified and entered into our accounting system.

NOTE: Further delay may occur if the transaction is made on or immediately prior to a Saturday, Sunday, or holiday on which we are closed. If you place a check or money order in the machine as a deposit or payment, it is subject to collection in accordance with your account agreement with us.

There is no charge for an initial ATM card. In the event the card is lost or stolen, you may request a free replacement. A $5.00 fee may be charged for excessive replacement requests.