ithinkfi ATM Locations
Find ithinkfi ATMs at 55,000+ surcharge-free locations nationwide, plus fee-free access in the Allpoint and CO-OP networks.
Open an ithinkfi AccountCash Access in the ithinkfi Network
- ithinkfi members get 55,000+ surcharge-free ATMs through the Allpoint and CO-OP networks.
- The standard daily ATM cash withdrawal limit is $500, with higher limits available by request.
- Cash deposits are accepted at ithinkfi branch ATMs and CO-OP deposit-taking ATMs.
- Member support is available at 800-873-5100 for card issues and locator help.
ATM networks
ithinkfi members can withdraw cash surcharge-free at 55,000+ ATMs nationwide through the Allpoint and CO-OP networks, plus every ithinkfi branch ATM.
Allpoint is one of the largest retail ATM networks in the country, with machines inside popular drugstores, grocers, and convenience stores. CO-OP is the credit union shared network, which adds deposit-taking ATMs and access to shared branches at other credit unions.
ithinkfi charges no surcharge at any machine in these networks, and the networks do not add fees of their own to ithinkfi members. At ATMs outside these networks, the machine owner may apply its own surcharge, which is disclosed on screen before any transaction is completed.
| Network | Member Fee | Cash Deposits | Where to Find |
|---|---|---|---|
| Allpoint | $0 | Select locations | 55,000+ ATMs nationwide, often in drugstores and convenience stores |
| CO-OP | $0 | Yes, at deposit-taking ATMs | Credit union shared network across all 50 states |
| ithinkfi branch ATMs | $0 | Yes | At ithinkfi branch locations, drive-up and walk-up |
Finding an ATM
The ATM locator in the ithinkfi mobile app and online banking shows every surcharge-free Allpoint, CO-OP, and branch ATM near you.
The locator lets you filter by deposit capability and 24-hour access, so you can confirm a machine accepts cash deposits before you drive there. From the app you can also get turn-by-turn directions to the ATM you select.
If you prefer not to use the app, call member support at 800-873-5100 and a representative can help you find the nearest surcharge-free ATM. CO-OP shared branches at other credit unions also accept many ithinkfi transactions in person.
ATM withdrawal limits
The standard ithinkfi ATM cash withdrawal limit is $500 per day, and members can request a higher limit by calling 800-873-5100.
Daily limits protect your account if a card or PIN is compromised, and the counter resets each calendar day. Members who need to make a large cash purchase can request a temporary limit increase, which is typically approved during the same phone call.
Keep your PIN private and never share it with anyone claiming to be from ithinkfi. Our team will never ask for your full PIN or your online banking password.
As a teacher, I use the locator in the ithinkfi app on my drive home and always find a fee-free ATM nearby. Not paying surcharges adds up fast.
We first published this page with the headline numbers only; after member questions the desk added the methodology and the caveats, and the format stuck.
This guide does NOT cover trusts, institutional funds and non-resident files, which run through separate desks.
I checked the network map before switching and the Allpoint coverage near my office is excellent. I have not paid an ATM fee since joining ithinkfi.
Which ATM networks can ithinkfi members use without paying surcharges?
Members use Allpoint, CO-OP, and ithinkfi branch ATMs surcharge-free, a network of 55,000+ machines nationwide.
What is the ithinkfi daily ATM withdrawal limit?
The standard limit is $500 per day, and a higher limit can be requested by calling 800-873-5100.
Can I deposit cash at any network ATM?
Cash deposits are accepted at ithinkfi branch ATMs and CO-OP deposit-taking ATMs, not at every Allpoint machine.
What should I do if an ATM keeps my card?
Call 800-873-5100 right away to block the card and order a replacement.
2012
Founded
25
Team Members
55,000+
Surcharge-Free ATMs
Depositing cash at ATMs
Members can deposit cash at ithinkfi branch ATMs and CO-OP deposit-taking ATMs, and deposits made before the daily cutoff post the same business day.
Most modern deposit-taking ATMs count bills automatically, so envelopes are not required. Always count your cash before the machine accepts it and keep the deposit receipt until the transaction shows in your account.
The daily deposit cutoff is displayed in the mobile app and online banking. Deposits made after the cutoff post on the next business day, and checks deposited at network ATMs follow the same schedule as mobile deposits.
ATM safety tips
Inspect the card reader, shield your PIN, and choose well-lit ATMs to keep your cash withdrawals safe.
ATM fraud relies on skimmers attached to card readers and on cameras watching the keypad. A few simple habits remove most of the risk, and ithinkfi account alerts let you spot any unauthorized activity quickly.
- Inspect the card reader for loose, bulky, or misaligned overlays before inserting your card
- Shield the keypad with your hand while entering your PIN
- Use ATMs in well-lit, visible locations, and avoid isolated machines at night
- Review account activity regularly in the ithinkfi mobile app
- Report a lost or stuck card immediately at 800-873-5100
The official methodology is detailed in the ithinkfi overview.
Independent regulatory guidance is published by www.ncua.gov.