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About SUM
Some people pay a surcharge at the ATM. SUM don’t.
ATMs offer extraordinary convenience, providing anytime access to cash and account information in the smallest towns and the biggest cities. However, if you use an ATM not affiliated with your own financial institution, you might be required to pay an additional fee for the convenience.
The SUM Program allows you to save time and money by offering surcharge-free access to a wide array of bank and credit union ATMs. If your financial institution is a SUM Program member, you can use any SUM-designated ATM without paying a surcharge.
The benefits of the SUM Program are immediate and easy to access. You don’t have to register, and all you need to withdraw cash without a surcharge is your financial institution-issued ATM card. Regardless of how many ATMs your financial institution has, with SUM, you have even more options for withdrawing funds anytime, anywhere.
ATMs in the SUM Program are easily identified by the yellow and green SUM decals. Keep an eye out for the sticker or view our list of participating ATMs. Convenience without an extra premium. Now that’s SUMthing worth applauding.
FAQs
What is SUM?
SUM is a convenient and easy way to avoid surcharge fees. Cardholders of financial institutions who have joined NYCE’s SUM Program can withdraw funds from designated ATMs belonging to other SUM Program members, without a surcharge fee. If your financial institution participates in the SUM Program, just look for other ATMs with the bright yellow and green SUM decals. You can then be sure that you won’t incur a surcharge for accessing your cash.
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What is the benefit of being part of the SUM Program?
Thanks to the SUM Program, participating cardholders can withdraw funds from thousands of ATMs in addition to their financial institution’s ATMs, without paying additional surcharge fees. The program saves you time and money, making it more convenient to access your cash.
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What is a surcharge? A service fee?
Some ATM owners levy a surcharge fee for the convenience of using their ATM. These fees appear on the ATM receipt. If your financial institution is a member of the SUM Program, you can avoid these fees by using other SUM ATMs, which are clearly identified with the SUM decal.
A service fee appears only on your account statement, not on your ATM receipt, and is charged by your financial institution for a transaction made at an ATM that it does not own. Your financial institution will tell you if they charge service fees for using another institution’s ATM when you open an account with them.
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How can I be part of the SUM Program?
Immediate access to surcharge-free SUM ATMs is available if your financial institution is a member of the NYCE network and has joined the SUM Program. To see if your bank or credit union is a member of SUM, click here.
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Do I need a special SUM ATM card?
No. To make surcharge-free withdrawals at SUM ATMs, you simply need to have an ATM card from a financial institution that participates in NYCE's SUM Program. For a complete list of participating financial institutions, click here.
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How do I know if my financial institution is a member of SUM?
For a complete list of participating financial institutions, click here. If your financial institution is not listed as a SUM member, we recommend that you do two things. First, contact your bank or credit union representative and ask them to join SUM. Second, contact us and we will reach out to your institution and encourage them to join SUM. Just click here and send us your name, your financial institution's name, and the city and state in which they are located.
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If a financial institution belongs to SUM, can I use all of their ATMs, surcharge-free?
The bright yellow and green SUM decal identifies all ATMs that can be used surcharge-free. SUM Program participants can designate which of their ATMs they would like to include in the SUM Program, so look for the decal even if you have received surcharge-free benefits from another ATM in the past. Or click here to locate a SUM ATM near you.
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Can my financial institution charge me a fee for using a SUM ATM?
Your financial institution can charge you a service fee for using another institution's ATM, whether it’s a SUM ATM or not. The financial institution will disclose that fee when you open an account, and the charge will only appear on your statement, not on your ATM receipt.
By using a SUM ATM, you avoid being charged a surcharge fee by the owner of that ATM.
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How do I find a SUM ATM?
To locate SUM ATMs, click here. You can also look for the bright yellow and green SUM decal, always present on surcharge-free SUM ATMs.
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Are there SUM ATMs outside the United States?
Currently, SUM ATMs are located in the United States and Puerto Rico only.
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How many SUM ATMs are there?
There are currently more than 3,400 ATMs participating in the SUM Program. To locate nearby SUM ATMs, click here.
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Stay alert... View safety tips when using an ATM.
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