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It is becoming steadily more difficult to recall that, once upon a time, there were many different ATM networks across the country, some owned by credit unions and several with a fee-free option for users. These regional networks competed vigorously for credit union affiliation and led to sometimes as many as six or seven different logos on the backs of cards.

These networks have been gradually vanishing for years as they have been merged into or purchased by larger networks until now there are effectively three truly nationwide options for fee-free ATM access from which credit unions may choose: CO-OP Network (owned by CO-OP Financial Services); Credit Union 24 and Allpoint (owned by Cardtronics).

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