Using any of the over 5,000 convenient ATMs across the U.S., including the District of Columbia and Puerto Rico, you can access your accounts without being charged a foreign ATM fee. The alliance was formed to provide credit unions the ability to offer their members access to surcharge-free ATM terminals -- especially when traveling, but now includes members of other types of financial institutions such as community banks and thrifts.
You should not be charged a fee if you use an ATM that is part of the Alliance One Network. If you are charged a fee in error, please take proof to the financial institution where you used the ATM in order to get reimbursed. If you need help with this process, please let us know.
We have 4 local Advantage ATMs and over 5,000 Alliance One ATMs nationwide to use without getting charged a foreign surcharge fee. Also, if you look for the PULSE logo, you will be able to make deposits at these locations if the financial institution allows foreign deposits. So, if you want to find an ATM near you or where you will be vacationing, visit the PULSE ATM Locator site, Alliance One Network site, or contact us for help at 419-529-5603.
Do you know your cash limit and did you know that this amount can be changed? Initially, when an ATM or Debit Card is issued, it is usually set at $250.00, depending on your account history. If you would like to change this amount, ask us to see if you qualify for an increase. You may need to increase the amount just for a day to make a special purchase or maybe you are going on a trip and want to increase the limit for a week. This is possible! So, if you want to personalize your settings, call 419-529-5603 to let us know how we can help!
Limit Time Frame
You would think that your daily limit would start fresh each morning, but actually it's a little different. Our 24-hour cycle refreshes daily between 3 - 4 (EST), meaning you have access up to your limit from day to day until it re-sets your limit after it refreshes. Please let us know if you have any questions.
24x7x365 Fraud Monitoring Program
Most importantly, our card brings with it the combination of the most sophisticated fraud detection technology with experienced fraud analysts. Each transaction is evaluated and if a high-risk alert is detected, an analyst will contact you and inquire about any questionable transaction. If you get a phone call from Fraudwatch, please call them back at 866-842-5208. This is why it's very important we always have a good working phone number for you. If your transactions are getting denied or you need to report your card as being lost or stolen, please call us during business hours or 1-800-791-2525 after hours. We are watching out for you!
Advantage Credit Union
700 Stumbo Road
Advantage Credit Union - Lexington Avenue Kiosk
270 Lexington Avenue near Shaw Ott Medical
Advantage Credit Union - Ashland Road Kiosk
860 Ashland Road near Boliantz Hardware
Richland County Courthouse
50 Park Avenue East (open during business hours only)