ATMs & shared branching
Your cash, without the stranger fee.
Ridgeline CU has a free ATM available 24-hours a day outside our main office at 564 East 300 South, Salt Lake City, UT 84102. Beyond that one machine, the CO-OP network gives you over 30,000 surcharge-free ATMs and shared branching at credit unions across the country.
- Over 30,000 surcharge-free
- Our ATM, 24 hours a day
- CO-OP shared branching nationwide
The fees Ridgeline charges on card and cash transactions are in the fee tables below.
Find a surcharge-free ATM
CO-OP runs the locator for the whole network, so it is always current. Search it by address or zip code, or switch it to shared branches to find a lobby where a teller can help you in person.
Find an ATM near youFind a shared branch
Or call (801) 328-1521 and we will find the closest one for you.
Ours
One ATM, right outside our door.
We have one office and one machine. It sits outside the front door at 564 East 300 South, it is free for members, and it does not close.
| Location | Address | Access | Cost to members |
|---|---|---|---|
| Main office ATM | 564 East 300 South, Salt Lake City, UT 84102 | Outside the building, 24 hours a day | Free |
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Our office and ATM at 564 East 300 South, Salt Lake City, UT 84102. For the rest of the CO-OP network, use the locator at the top of this page.
Everywhere else
The other 30,000 machines.
Credit unions share networks. That is how a one-office credit union in downtown Salt Lake City gives you free cash access in all fifty states.
CO-OP ATM Network
Over 30,000 surcharge-free ATMs, shared by credit unions nationwide. Look for the CO-OP logo on the machine or on the screen before you insert your card.
CO-OP Shared Branch network
More than a machine. Walk into a participating credit union anywhere in the country and a teller can take a deposit, cash a check, or take a loan payment on your Ridgeline account.
We host it too
Ridgeline provides CO-OP Shared Branch services to members of other credit unions. If your account is with another network credit union, we can process your transaction at our downtown location.
How to be sure before you press yes. A surcharge-free machine will not show you a fee screen. If a machine offers to charge you to continue, it is out of network. Cancel the transaction and use the CO-OP locator to find the closest free one.
Fees and limits
What it costs to get to your money.
We do not charge you to use our ATM. These are the fees Ridgeline publishes on card and cash transactions. The whole schedule is effective 7/1/2024.
Card and account fees
Effective 7/1/2024
| Product | Fee |
|---|---|
| Our ATM at 564 East 300 South | Free |
| Replace lost or stolen VISA Check Card | $10.00 |
| Non-sufficient fund draft or ACH | $30.00 |
| Overdraft Transfer, up to 6 transfers online each month for free | $5.00 |
| VISA or ACH Phone Payment to loan | $5.00 |
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Moving larger amounts
Effective 7/1/2024
| Product | Fee |
|---|---|
| Wire Transfer, USA | $10.00 |
| International Wire | $30.00 |
| Stop Payments, draft and ACH | $15.00 |
| Cashiers Check | $3.00 each |
| Money Orders | $1.00 each |
| Counter Checks | $1.00 for a sheet of 4 |
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Ridgeline does not publish daily ATM withdrawal or debit purchase limits. Buying a car or closing on something? Call (801) 328-1521 a day ahead and we will tell you your limit and what we can do about it.
At the machine
Five ways to reach your money.
One office does not mean one door. Here is every way to get to your account.
Our ATM, 24 hours
Free for members, outside the front door at 564 East 300 South, Salt Lake City, UT 84102. It does not keep lobby hours.
Over 30,000 surcharge-free ATMs
The CO-OP ATM network covers all fifty states. Use the locator at the top of this page before you go.
Shared branching
A teller at a participating credit union can handle your Ridgeline transaction in person. Bring photo ID and know your account number.
Mobicint online and mobile banking
Check balances, move money, and pay bills from your phone or your desk without driving downtown.
Card Suite Lite
Freeze and unfreeze your card, set spending limits by merchant or category, get instant alerts, and review your spending history.
Something wrong at a machine?
If a machine takes your card or shorts your cash, call (801) 328-1521 Monday through Friday, 9:00 AM to 5:00 PM, before you forget which machine it was.
Safety
Thirty seconds of caution.
Card skimming is the most common ATM crime anywhere, Salt Lake City included, and it is easy to spot once you know what to look for.
Tug the card reader
A skimmer is a shell glued over the real reader. Give it a firm pull before you insert your card. If anything moves, wiggles, or sits crooked, walk away and tell us which machine it was.
Cover the keypad
A skimmer needs your PIN too, usually from a pinhole camera above the screen. Your other hand over the keypad defeats it. Do it every time, even at a machine you trust.
Turn alerts on
Card Suite Lite sends an instant alert when your card is used, which catches a cloned card in minutes instead of at month end. If a transaction is not yours, freeze the card in the app and call us.
Questions
About ATMs.
How many ATMs does Ridgeline own?
One. It is outside our main office at 564 East 300 South, Salt Lake City, UT 84102, it is free for members, and it is available 24 hours a day. Everything beyond that machine comes through the CO-OP network.
What does surcharge-free actually mean?
At a CO-OP network machine, the ATM operator does not add a fee on top of your withdrawal. An out-of-network machine will show you a fee screen before it dispenses cash. If you see that screen, you can cancel and walk away with nothing charged.
Can I bank somewhere else if I am out of town?
Yes. Ridgeline is part of the CO-OP Shared Branch network. Walk into a participating credit union anywhere in the country and a teller can take a deposit, cash a check, or take a loan payment on your account. Bring photo ID and know your account number.
I belong to a different credit union. Can I do business at your office?
If your credit union is in the CO-OP Shared Branch network, yes. We provide CO-OP Shared Branch services to members of other credit unions at our downtown location. Come in Monday through Friday, 9:00 AM to 5:00 PM.
The machine ate my card, or shorted my cash. What now?
Call (801) 328-1521 the same day if you can, Monday through Friday, 9:00 AM to 5:00 PM. Tell us which machine and what happened, and we will start the dispute and order you a replacement card.
What is the difference between shared branching and an ATM?
An ATM is a machine. Shared branching is a person. You walk into another credit union’s lobby and a teller does the transaction on your Ridgeline account. Use the CO-OP locator at the top of this page to find one.
ATM disclosures
The fee schedule shown on this page is effective 7/1/2024 and is subject to change with notice as required by law. Surcharge-free access applies to ATMs in the CO-OP network and to the Ridgeline Credit Union machine at 564 East 300 South, Salt Lake City, UT 84102. When you use an ATM we do not own or operate, the operator or any network used may assess a surcharge, and that surcharge is disclosed on the machine before you complete the transaction. Ridgeline does not publish daily ATM withdrawal or debit purchase limits.
Errors and unauthorized transfers. Tell us at once if you believe your card or PIN has been lost or stolen, or that an unauthorized transfer has occurred. Telephoning at (801) 328-1521 during business hours is the best way to keep your possible losses down. Your liability for unauthorized electronic fund transfers depends on how quickly you notify us, as described in your Electronic Fund Transfer disclosure. Funds availability on deposits is governed by the Terms and Conditions in our New Account Booklet.
CO-OP and Visa are trademarks of their respective owners. Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency. Ridgeline Credit Union is an Equal Housing Lender. Membership eligibility required.