Thousands of Surcharge-Free ATMs!

THE EXCHANGE® is a network of banks and credit unions that have come together and agreed to never charge each other’s cardholders any surcharge fees—at thousands of ATMs across Canada. As a proprietary ATM network, THE EXCHANGE® Network offers the only inter-institutional, full-function ATM network in Canada.

Stop Paying Through the Nose!

Surcharge-free withdrawals, deposits or PIN changes, Canada-wide. You will never pay any surcharge fees to access your own money even if you use another member institution’s ATM network. Of course, you still have to pay your normal account fees but that’s it, nothing extra.

No more buck fifty here, buck fifty there, every time you use an ATM.

So long as they’re all part of THE EXCHANGE® Network, bank customers can use credit union ATMs and Credit Union customers can use bank ATMs, surcharge-free. Just look for ATMs with THE EXCHANGE® logo.

Check the Back, Jack!

Want to know if you’re part of THE EXCHANGE® Network? Simply check the back of your debit card for THE EXCHANGE® logo or check to see if your bank or credit union is a member of THE EXCHANGE® Network. HMECU is proud to be part of THE EXCHANGE® Network with over 3,300 surcharge-free ATMs across Canada!

Find an ATM

Click here to find an ATM on THE EXCHANGE® Network! You can also download the Smartphone App (for Apple, Android, and BlackBerry), download the GPS file, or download the App for your iPad or Apple Watch. If you prefer to obtain a printable map with ATM locations within a certain radius of a specific address, please use THE EXCHANGE® Network ATM Map Plotter.