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24-Hour Free ATM Service Including Publix ATMs in South Florida

Avoid long teller lines and never run short of cash with Tropical's ATM service. Withdraw cash, transfer funds or conduct balance inquiries, 365 days a year. Along with our own ATMs, Tropical Financial Credit Union is a member of the CO-OP Network ATMs, CU24/CUHERE, Exchange, and Cirrus ATM Networks.  TFCU ATMs are located at all Publix locations. 
Your ATM Personal Identification Number (PIN) enables you to conduct transactions safely and in confidence. You may use your electronically assigned PIN or visit a Tropical Financial office to select your own.

Where can I make a deposit?

Tropical Financial locations

CO-OP Network ATMs

The Exchange

Shared Service Centers

Where can I make a withdrawal, inquiry or transfer?

Tropical Financial locations

CU24/CUHERE

CO-OP Network ATMs 

CIRRUS

The Exchange

Shared Service Centers

Tropical Financial Credit Union ATM

We currently operate 20 Tropical Financial Credit Union ATMs in Florida, for use for free. You may find the nearest location by clicking onto Tropical Financial locations. Deposits, withdrawals, transfers and inquiries are free of charge at these Tropical Financial ATMs.

CO-OP Network ATMs

Enjoy Surcharge-Free Access at 25,000 CO-OP Network ATMs

If the back of your ATM card carries the CO-OP Network logo, your credit union is a member of the largest credit union-only ATM network in the country.  CO-OP Network membership provides surcharge-free access at 25,000 ATMs, which includes 6,000 deposit-taking and 5,500 7-Eleven locations throughout the U.S. and Canada.  CO-OP Network’s membership has access to over 800,000 ATMs worldwide through links to NYCE, STAR, Cirrus, Pulse and Plus.

This network is usually located at other Credit Unions. Please visit the terminal locator for the nearest ATM. Tropical members that have a status of Plus and Enhanced relationship do not incur a fee to use these CU24/CUHERE ATMs. However, Basic members will incur a small fee per transaction. Only the CUHERE Network is surcharge free from the ATM owners. Some CU24 terminals will have a surcharge.

Cirrus

You can withdraw cash, transfer funds or conduct balance inquiries nationally and internationally through the CIRRUS network. These ATM machines are normally located at other financial institutions. Only withdrawals are accepted at these ATMs. Tropical members that have a status of Plus and Enhanced relationship do not incur a fee to use Cirrus ATMs. However, Basic members will incur a small fee per transaction. There are normally surcharge fees from the ATM owners.

Shared Service Centers

These are branches located throughout the United States, either jointly owned by multiple Credit Unions or offices of other Credit Unions that have joined together to accept transactions from multiple Credit Unions. In these offices, Tropical Financial Credit Union members are treated as important guests and can complete most transactions such as deposits and withdrawals, making loan payments, as well as cashing checks, inquiring about balances, transferring funds and applying for loans. Members who maintain a basic relationship will be charged a $2.00 transaction fee per visit.