Surcharge-free ATMs

Where to find them

One of the sweetest benefits of your STCU membership is the time and money you save using your STCU debit card to access any of the thousands of surcharge-free ATMs available nationwide. Some are owned by STCU; some are simply surcharge-free to our members as part of the larger Co-op Network.

Use your STCU debit card to get cash, transfer funds, check balances, and more at ATMs in the Co-op Network. In addition, many 7-Eleven stores provide surcharge-free ATM-like machines to STCU members. (See list of local locations on the right.)

How can you know if an ATM is surcharge-free? Take a moment to check the list below, or visit the Co-op Network ATM locator or call toll-free to (888) SITE-COOP (748-3266).


Downtown Spokane

  • Davenport Grand
    333 W. Spokane Falls Blvd.
  • Davenport Hotel
    10 S. Post St.
  • Davenport Towers
    111 S. Post St.
  • Downtown (STCU) Branch (accepts deposits)
    207 N. Wall St. (street level and skywalk)
  • Hutton (STCU) Branch (accepts deposits)
    9 S. Washington St.
  • WSU-Spokane
    600 N. Riverpoint (Academic Center)
  • U-District (STCU) Branch (accepts deposits)
    528 E. Spokane Falls Blvd. (Schade Towers Building)


  • Bonner County (STCU) Branch (accepts deposits)
    477181 N. Highway 95, Ponderay, Idaho
  • Costco Wholesale
    7619 N. Division St.  
  • Deer Park (STCU) stand-alone (accepts deposits) 
    11 East H St., exit roundabout toward Pizza Hut, walk-up access.  
  • Indian Trail (STCU) Branch (accepts deposits)
    8703 N. Indian Trail Road
  • Main (STCU) Branch (accepts deposits)
    106 W. Nora Ave.
  • Newport (STCU) Branch (accepts deposits)
    202 W. Walnut St., Newport. 
  • North Spokane (STCU) Branch (accepts deposits)
    207 E. Hastings Road
  • Northtown Square (STCU Branch (accepts deposits)
    4727 N. Division St., Suite 105
  • Safeway Federal Credit Union
    529 E. North Foothills Drive  
  • Spokane City Credit Union (accepts deposits)
    1930 N. Monroe
  • Spokane Falls Community College
    Building 17, 3410 W. Fort George Wright Drive
  • Spokane Community College
    Building 6 near cafeteria, 1810 N. Greene St.
  • Whitworth University
    300 W. Hawthorne


  • Moran Prairie (STCU) Branch (accepts deposits)
    5711 S. Hailee Lane
  • South Spokane (STCU) Branch (accepts deposits)
    820 E. 29th Ave.
  • South Valley (STCU) Branch (accepts deposits)
    13211 E. 32nd Ave.


  • Costco Wholesale
    5601 E. Sprague Ave.
  • Liberty Lake (STCU) Branch (accepts deposits)
    2201 N. Madson Road
  • Spokane Valley (STCU) Branch (accepts deposits)
    13501 E. Sprague Ave.
  • South Valley (STCU) Branch (accepts deposits)
    13211 E. 32nd Ave.
  • Spokane Community College
    Building 6 near cafeteria, 1810 N. Greene St.


  • Airway Heights (STCU) Branch (accepts deposits)
    10811 W. Highway 2, Airway Heights.
  • Cheney (STCU) Branch (accepts deposits)
    2718 First St., Cheney.
  • Eastern Washington University (accepts deposits)
    Tawanka Hall
  • Qualchan (STCU) Branch (accepts deposits)
    4233 S. Cheney-Spokane Road, Spokane.


  • Target Stores
    1106 N. Columbia Center Blvd., Kennewick
  • Target Stores
    2941 Queensgate Drive, Richland


Idaho locations

  • Bonner County (STCU) Branch (accepts deposits)
    477181 N. Highway 95, Ponderay
  • Bonner County (STCU) remote drive-up ATM (accepts deposits)
    477123 Highway 95 North, Ponderay
  • Crossroads (STCU) Branch (accepts deposits)
     2712 N. Ramsey Road, Coeur d'Alene
  • Downtown (STCU) Coeur d'Alene Branch (accepts deposits)
    401 Front St., Coeur d'Alene
  • Post Falls (STCU) Branch (accepts deposits)
    3903 E. Primrose Lane, Post Falls
  • Silver Lake (STCU) Branch (accepts deposits)
    6704 N. Government Way, Dalton Gardens

More Here for Good


Local 7-Eleven ATM locations

For a complete list of ATMs, visit the Co-Op Network or call (888) 748-3266.

  • 3409 N. Argonne (Millwood)
  • 2828 E. 30th Ave. (South Hill)
  • 1317 S. Grand Blvd. (South Hill)
  • 924 E. Empire Ave. (North Spokane)
  • 323 W. Indiana Ave. (North Spokane)
  • 177 S. Division St. (North Spokane)
  • 1425 N. Maple St. (North Spokane)
  • 722 N. Park (Spokane Valley)
  • 2122 N. Pines (Spokane Valley)
  • N. 650 Idaho St. (Post Falls) 

Locations and hours subject to change. Beginning Jan. 1, 2017, the 7-Eleven ATMs will no longer accept deposits.

Holiday schedule

  • New Year's Day
  • Martin Luther King Jr. Day
  • Presidents' Day
  • Memorial Day
  • Independence Day
  • Labor Day
  • Columbus Day
  • Veterans Day
  • Thanksgiving Day
  • Dec. 24, closing 3 p.m. when on a business day 
  • Christmas Day