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What is the daily limit for ATM withdrawals?

The daily withdrawal limit for ATM withdrawals is $750 per day. Note: ATM owners may place lower limits on the amount you can withdraw in a single session.

Can I change the PIN for my ATM or debit card?

Yes. The Personal Identification Number (PIN) for your ATM and/or debit card is randomly generated. When you first receive your card, you will need to call the number printed on the sticker on the card to activate the card and set your own PIN. To change the PIN for an existing card, contact a Relationship Banker at 1-888-873-3424 and we can assign a temporary PIN while you’re on the phone. You will then be able to change the temporary PIN to a number you select.

How does the ATM Surcharge Rebate program work?

Any customer with an Interest Checking, Money Market Savings, and/or Regular Savings account is automatically enrolled for our ATM Surcharge Rebate program. On the last day of the month, the number of ATM surcharges you incurred over the month will be totaled and you will receive a rebate of up to $10. Please note: Rebates are applied at the end of the month and not as transactions occur. The surcharge rebate is calculated on a per-customer basis, rather than a per-account basis.

When you make an ATM withdrawal, the ATM network sends a transmission of the total amount of your transaction. The ATM network does not identify how much of the total dollar amount is the cash withdrawal and how much is the surcharge. Therefore, our systems run a program at the end of the month to calculate the surcharge.

First, we identify all ATM transactions. Then, we divide the amount of the transaction by 5, as most ATMs will dispense cash in multiples of $5 (usually $10 or even $20). If the remainder matches any of the amounts below, then we consider the remainder to be a surcharge.

  • $0.50
  • $0.75
  • $0.99
  • $1.00
  • $1.25
  • $1.50
  • $1.75
  • $2.00
  • $2.50
  • $3.00
  • $3.50
  • $4.00
  • $4.50


The system totals the surcharges incurred during the month. If the amount is less than $10, we credit your account with the total of the surcharges. If the amount is equal to or greater than $10, we credit your account with $10. If you feel that we did not credit your account for the correct amount of ATM surcharges incurred, please contact us at or 1-888-873-3424.