As a Mainstreet member you can keep more of your money where it belongs; paying no “ding” surcharge fees at thousands of credit union and other participating ATMs across Canada.  It's a network that is bigger than most banks and it's all ding free!

Say Goodbye to ATM surcharges

We've all been there.  Standing in front of another financial institution's ATM, just waiting to get dinged by a surcharge fee for accessing our cash, but as a credit union member you have access to a Canada-wide network of ding free®, which means you pay no surcharges at credit union and other participating ATMs across Canada.

A surcharge (or convenience fee) is a fee charged by an ATM owner at the time of the transaction. It usually 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– i.e. a transaction fee is charged for any transactions above and beyond what is included in your monthly package ex: Mainstreet's Complete account includes 25 transactions per month so you would be charged on your 26th transaction).

How can I find a ding-free ATM?

To find the nearest ding free ATM wherever you are in Canada, download the ding free locator app which is available for iPhone, Android, Windows and Blackberry devices.

Look for THE EXCHANGE® Network symbol on the ATM machine for surcharge free ATM access.

The Exchange Network Ding Free ATMs

You can also use the Mainstreet ATM locator to find ATMs anywhere in Canada!

Traveling to the USA

ATM Access

Look for the Accel® debit payments network logo at over 500,000 ATMs whenever and wherever you are traveling in the United States.  As a Canadian Exchange cardholder, you can withdraw money from any ATM displaying the Accel logo. You can withdraw surcharge-free from some, but not all US based ATMs. Deposits are only allowed at EXCHANGE ATMs in Canada, so if you are going to be away for an extended period and need to deposit to your account, plan ahead and talk with your financial institution about other options available to you.

To find an Accel ATM click here

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