ACCEL/Exchange cardholders can use their ATM/debit cards at more surcharge-free ATMs than ever! Member institutions now have the option of participating in our No SUR!^SM program… Allpoint, America's largest surcharge-free network with over 37,000 surcharge-free ATMs nationwide… or both to ensure maximum surcharge-free access for their cardholders.

Think all ATMs surcharge?  No SUR!
Participation in No SUR! gives your cardholders access to an established base of surcharge-free ATMs. Participants agree to place their ATMs in No SUR! so that other No SUR! participants can use these machines without incurring a surcharge, and vice versa.

A significant number of ATM deployers across the country assess surcharges, with the average surcharge at close to $2 per transaction. It's difficult for some cardholders to find convenient, surcharge-free ATMs.

ACCEL/Exchange seeks to alleviate this situation through No SUR!. Benefits of participation in No SUR! include the following:

• Minimal participation fees
• Increases in value each time a new participant adds an ATM, thus increasing the coverage base for your cardholders
• A "No SUR!" logo announces your financial institution as a participant and draws cardholders to your ATMs
  
  
  
• Participants and cardholders can easily access No SUR! locations at our ATM Locator.

1 out of 12 ATMs in America is an Allpoint Surcharge-Free ATM!

Allpoint provides greater access, convenience and savings to cardholders of financial institutions with limited ATM presence while providing the institution with the tools to compete more effectively.

Allpoint ATMs are conveniently located in "neutral" national and regional retailers nationwide. As a result, participants do not have to send their cardholders to other financial institutions for surcharge-free access. An ATM Locator can be accessed at www.AllpointNetwork.com.

For ACCEL/Exchange members, Allpoint is simple to join and easy to use. Little or no back office support, no processor conversion, or card reissue are required; your cardholders can use their current cards.

For just pennies a day, you can give your cardholders unlimited surcharge-free access nationwide. Your ATMs do not participate, so you keep your surcharge revenue. Card-based pricing provides a cost structure you can leverage. A fixed monthly fee helps you accurately budget your surcharge-free program.