Common Questions
What is Alliance One?
Alliance One is a nationwide cooperative group of credit unions, small community banks and thrifts that have joined forces to let their cardholders access each others’ ATMs all over America without having to pay ATM surcharges.
How does Alliance One work?
Normally, if you use a so-called “foreign” ATM, you may expect to pay two surcharges. Your financial institution may charge you a surcharge because it has to process a transaction from another financial institution’s ATM, and the financial institution that owns the ATM may charge you a surcharge – called a surcharge – because it has to process a transaction from someone who’s not an account holder.
Here’s the good news. If your financial institution participates in Alliance One, the owners of the Alliance One ATMs do not assess this surcharge when you access your accounts through their ATMs.
When I visited an Alliance One ATM, my financial institution charged me a surcharge. Why?
While Alliance One eliminates surcharges, fees called "foreign ATM fees" may still apply. Foreign ATM fees are fees charged by your financial institution when you access your account at another financial institution’s ATM. For details about applicable foreign ATM surcharges, contact your financial institution.
I visited an Alliance One and paid a surcharge. What do I need to do to dispute the surcharge?
To dispute a surcharge, you’ll need to gather some information about your transaction. Note the amount of the surcharge, the location of the ATM, the amount of the transaction you performed, the date and time of day. Have your card number ready and contact your financial institution to dispute the charge.
Do I need to match one of the network logos on the back of my card with a logo on the ATM?
Yes. Not all Alliance One ATMs may be accessible to every cardholder. Be sure to match a network logo on the back of your ATM card with a logo on the ATM. For questions about your ATM card, participating ATM networks and ATM surcharges, contact your financial institution.
