THE EXCHANGE® and the ACCULINK® Networks
Members traveling across Canada can easily find surcharge free ATMs on THE EXCHANGE® and the ACCULINK® Networks. If you are traveling around Atlantic Canada, Ontario or British Columbia refer to THE EXCHANGE® information below and if you are travelling in Alberta, Saskatchewan and Manitoba additional ATMs can be located by referring to the ACCULINK® Network information. We have launched a ding free ATM locator app to locate ATMs on both networks, see the details on ding free Campaign webpage.
The ACCULINK® ATM Network
Canadian credit unions belong to the Cooperative EFT Development Association (CEDA) and participate in the ACCULINK® ATM network. ACCULINK® is the brand name for the credit union system’s proprietary, surcharge free ATM service which connects and supports over 1,800 credit union ATMs, over 380 credit unions and over 5,000,000 members.
This network provides members with many services without having to worry about paying any additional fees (standard account charges still apply) including:
- Withdrawals within the daily maximum amount as specified by the member’s credit union at all full function and cash dispensing ATMs.
- Deposits including cash, cheques and other negotiable items to accounts at all full function ATMs.
- Changes to the personal identification number (PIN) at all chip enabled ATMs.
- Transfer of funds between accounts at all full function and cash dispensing ATMs.
Balance inquiries of the available balance on accounts at all full function and cash dispensing ATMs.
Three Ways to Locate the ACCULINK® ATMs in Canada
- Look for the ACCULINK® logo on the ATMs.
- Search online: www.ding-free.ca.
Click on “Find an ATM”. Note: this database will be launched during the second week of February 2013. - Download the ding free ATM locator app from our ding free Campaign webpage.
Although THE EXCHANGE and ACCULINK networks offer apps, this ding free app combines the information from both networks and is the only one you need.
THE EXCHANGE® ATM Network
THE EXCHANGE® is a network made up primarily of credit unions and some banks that have come together and agreed to provide surcharge-free withdrawals, deposits and PIN changes to each other’s cardholders —at thousands of ATMs across Canada.
Three Ways to Locate THE EXCHANGE® ATMs in Canada
- Look for THE EXCHANGE® logo on the ATMs.
- Search online: www.ding-free.ca.
Click on “Find an ATM”. Note: this database will be launched during the second week of February 2013. - Download the ding free ATM locator app from our ding free Campaign webpage.
Although THE EXCHANGE and ACCULINK networks offer apps, this ding free app combines the information from both networks and is the only one you need.
Travelling outside of Canada: The EXCHANGE (US), ACCEL® and the Cirrus® Networks
When travelling outside of Canada, you can access your money by looking for the ACCEL POS network, The EXCHANGE in the US or the Cirrus US and International Network logos. While you may incur additional usage fees in some cases, these convenient services are in place to provide you with instant access to your money.
ATM Network Comparison
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Balance Inquiry |
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Change PIN |
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Fast Cash |
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Network Coverage |
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* Some transaction receipts may have account balances.
®MEMBER CARD & Design are registered certification marks owned by Credit Union Central of Canada, used under license
® ACCULINK is a registered trade-mark owned by Credit Union Central of Canada, used under license.
® THE EXCHANGE is a registered trade-mark of Fiserv Inc., licensed for use in Canada by FICANEX Services Limited Partnership.
®DING FREE & Design are registered trade-marks of Central 1 Credit Union, used under license.
®Trade-mark of Interac Inc. Used under license.
®The Cirrus Brand Mark is a registered trademark of MasterCard International Incorporated, used under license.
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