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About THE EXCHANGE® Network

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 three bucks here, three bucks 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.


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