Frequently Asked Questions

CULIANCE is a debit card network built for credit unions. It connects your credit union account to ATMs, retail stores, and online merchants nationwide, so your card works well beyond your local branch.

At more than 80,000 surcharge-free ATMs, over 2 million retail POS locations, and online wherever CULIANCE debit is accepted.

CUHERE is a surcharge-free ATM program in CULIANCE. Participating credit union ATMs agree not to assess surcharges to other CUHERE members, giving you fee-free cash access at thousands of locations. Use the CUHERE ATM Locator to find one near you.

At CUHERE-participating ATMs, no surcharge is applied. At other ATMs, the ATM owner may charge a fee. Your credit union may also have its own policies on ATM fees – check with them for specifics.

Yes. CULIANCE supports online debit transactions without requiring a PIN or signature at checkout.

Look for the CULIANCE logo on your debit card. If you're not sure, your credit union can confirm whether your card participates.