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Our branches will be closing early on Tuesday, December 10.   Click here to learn more.

CAP COM's ATM network

Nearly 30,000 free CO-OP ATMs are located throughout the United States. Use the ATM locator on this page to find free and low-fee local ATMs (up to 10 transactions/month).

For free, unlimited ATMs worldwide, become a CAP COM Premier member.1

Young Adult Checking members always enjoy free, unlimited ATM access worldwide.1

Free CO-OP ATMs can be found in 13 countries. Use this CO-OP ATM Locator and click on “International Search.”

CO-OP network ATMs Free2
Stewart's Shops ATMs $12
Any ATM worldwide with Young Adult Checking and CAP COM Premier Free
1. CAP COM will reimburse members with a Young Adult Checking Account (ages 15-25) for any ATM surcharge and International Service Assessment incurred when using your CAP COM Debit Card. Members ages 15-17 must have a parent/guardian as a joint owner. ATM surcharges up to $5 and International Service Assessments incurred when using your CAP COM Debit Card will be reimbursed for CAP COM Premier Members within 24 hours of the transaction. The CAP COM Premier Program is a non-contractual courtesy and CAP COM retains the right to remove a participant from the program without prior notice. In addition, CAP COM retains the right to discontinue this program, without notice, at any time. Some limitations and restrictions may apply.
2. A 50-cent surcharge per withdrawal applies after 10 withdrawals made in one month from any combination of CO-OP or Stewart’s Shops ATMs. A $2.50 ATM fee is charged by Stewart’s Shops. CAP COM will make a $1.50 reimbursement deposit for each Stewart’s Shops ATM withdrawal within 24 hours.

2019 Schedule of Closings

Company Staff Meeting

Dec. 10 - Tuesday
Brunswick, Glenmont, Malta, and North Greenbush branches closing at 3:30 pm; all other branches closing at 4 pm.

Christmas Eve

Dec. 24 - Tuesday, Closing at 1 p.m.

Christmas Day

Dec. 25 - Wednesday

New Year's Eve

Dec. 31 - Tuesday, Closing at 4:30 p.m.

2020 Schedule of Closings

New Year's Day

Jan. 1 - Wednesday

Martin Luther King, Jr. Day

Jan. 20 - Monday

Presidents' Day

Feb. 17 - Monday

Memorial Day

May 23 - Saturday
May 25 - Monday

Independence Day

July 4 - Saturday

Labor Day

Sept. 5 - Saturday
Sept. 7 - Monday

Columbus Day

Oct. 12 - Monday

Veterans Day

Nov. 11 - Wednesday

Thanksgiving Day

Nov. 26 - Thursday

Christmas Eve

Dec. 24 - Thursday, Closing at 1 p.m.

Christmas Day

Dec. 25 - Friday

New Year's Eve

Dec. 31 - Thursday, Closing at 4:30 p.m.

Our Branches