SUM Advantages

Saving you time and money while expanding choices

In today’s busy world, small steps that save you time, money or add convenience are truly exceptional. The SUM Program does all three. By having accessibility to thousands of ATMs without surcharge fees, it is easier to withdraw cash on the go. And the bright yellow and green SUM decal makes it easy to tell which ATMs participate in the program.

If your bank or credit union is a SUM Program member, all of the SUM advantages are yours – with no extra hassle. There is no registration process and no additional card is needed. Simply determine whether your financial institution is part of the SUM Program (click here for a list of participating institutions) and you can use any SUM-designated ATM, surcharge-free.

Advantages include:

• Access to more than 3,400 surcharge-free ATMs, regardless of how many ATMs your financial institution operates
• No surcharges for withdrawing cash when using designated ATMs
• Find SUM ATMs easily with the bright yellow and green decal
• Look up SUM ATM locations in advance by clicking here
• No action required by cardholders. Your financial institution simply needs to participate in the SUM Program
• The convenience of using your current card at any participating ATM

SUM more steps for a better financial life