Personal Banking
Personal Banking

SUM ATM Network

Union has more than 150 ATMs throughout its footprint to provide quick and easy access to cash 24 hours a day. But for those times when you need cash and a Union ATM is not close at hand, Union makes it easy to withdraw cash on the go by participating in the SUM ATM Network.

What is the SUM ATM Network?

The SUM ATM Network is a collection of community banks and credit unions that provide access to thousands of surcharge free ATMs throughout the United States and Puerto Rico. There's no registration process and no additional card needed.

Union participates in the SUM ATM Network to help our customers avoid costly surcharge fees, wherever they might be. All Union Debit Cards and ATM Cards are automatically part of the SUM network.

Be sure to look for ATMs with the bright red SUM logo. You can then be sure that you won't incur a surcharge for accessing your cash. Learn more about the SUM Network.

SUM ATM Network
Surcharge Fee - No
Service Fee - Yes*
Ideal Uses - Great for when you are traveling outside of Virginia -or- when a Union ATM is not nearby. You can even find an ATM with your mobile device when you are on the go.
Other ATMs
Surcharge Fee - Yes
Service Fee - Yes*
Note - When no Union or SUM ATMs are available, you can still access cash for a fee at ATMs that do not participate in the SUM Network, such as many national banks.

ATMs at Union branches, or marked with the Union logo, are always fee free for Union customers.

*An exception to the service fee applies for customers with Interest and Super Interest Checking Accounts, who get five service fees waived per month. If you are uncertain what type of account you have, please refer to your account disclosure or contact your local branch.

Union Bank & Trust
Mailing Address:
P.O. Box 940
Ruther Glen, VA 22546