THE EXCHANGE Network

A surcharge-free ATM is always nearby


THE EXCHANGE Network is a group of over 170 credit unions and banks that have come together and agreed to let their cardholders use each other’s ATMs as if they were their own. We have expanded our participating financial institutions’ ATM distribution to thousands of locations across Canada, allowing them to compete with the Big Banks on both size and convenience.

Surcharge-Free Transactions Across Canada


EXCHANGE ATMs are surcharge-free and offer an expanded transaction set. All network ATMs are able to complete a debit cash withdrawal, PIN change, transfer and balance inquiry, with a majority also accepting deposits.

Member Services in the USA


Your members can look for the Accel® debit payments network logo at over 500,000 ATMs when traveling in the United States. 

As a financial institution you can also offer your members access to the Accel Point of Sale (POS) debit network in the United States. The Accel network is one of the largest POS networks in the United States with more than 3,000,000 merchant locations in the network.

Marketing Support


We provide our participating financial institutions with customer-facing marketing material and internal training tools, that can be used to educate their employees and cardholder on the unique benefits of the network.

Financial Institution Branded Apps


We are proud to offer free ATM locator apps for iPhone, iPad, Apple Watch, and Android phones. Member financial institutions are also able to customize the application with their corporate brand to further brand reach in cardholder devices.

Use our API for Direct Integration


Use our API to integrate our ATM database into your website, mobile banking and other applications.  Please contact us for additional information.

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Credit Card Services


Want to offer your credit cardholders the same service and convenience as your debit cardholders?  THE EXCHANGE Network also offers financial institutions the ability to provide surcharge-free PIN change and cash advance transactions to their credit cardholders.

Thousands of surcharge-free ATMs across Canada.


To find out more visit THE EXCHANGE Network website.

Visit THE EXCHANGE Network