Skip Navigation Documents in Portable Document Format (PDF) require Adobe Acrobat Reader 5.0 or higher to view,download Adobe® Acrobat Reader.
Freedom First
Freedom First Credit Union

About ATM Network

Freedom First
Branded Star Mark
Branded Star Mark

Access is Easier Than You May Think


With a Freedom First ATM card or Visa debit card and our extensive ATM network of over 50,000 surcharge-free ATMs, money is always close by.

You can find ATM locations on our website, or download the free CULIANCE ATM Locator app from iTunes or Google Play.

If you may still have questions, check out our FAQ below.

Frequently Asked Questions

Where are your ATMs located?
Freedom First ATMs are located at the Towers, Tanglewood, Salem, Blacksburg, Christiansburg, Botetourt, Crossroads, and Vinton branches.

Is there a fee if I use a Freedom First ATM?
There is no fee to use a Freedom First ATM to access your Freedom First accounts.

Can I use ATMs other than Freedom First ATMs?
There are over 50,000 surcharge-free ATMs available – look for the CULIANCE, Allpoint, or MoneyPass logos. Please use the Locator page on the Freedom First website or download the CULIANCE ATM Locator app (for iPhone or Android phones) to find ATMs near you.

What is the fee if I use an ATM that is not Freedom First’s?
For non-Freedom First ATMs or those not designated with a CULIANCE, Allpoint, or MoneyPass logos, there is a fee for transfers or withdrawals, as well as a fee for denied transactions. Please refer to the Consumer Fee Schedule. Be aware that other fees may be assessed by the owner of the ATM.

Are there any ATMs I can use if I am in another state? What is the fee?
Surcharge-free ATMs are available in other states. Please use the Locator page on the Freedom First website or download the CULIANCE ATM Locator (for iPhone or Android phones) to find ATMs near you.

Can I use ATMs in foreign countries?
You can use ATMs in other countries, but you are subject to the foreign ATM fee if they are not included in the network. Please use the Locator page on the Freedom First website or download the CULIANCE ATM Locator app (for iPhone or Android phones) to find ATMs in those countries.

How much money can I withdraw from an ATM?
You are allowed to withdraw up to $515 from an ATM per 24-hour period.

Can I make deposits at an ATM?
Freedom First ATMs do not accept deposits, but night drop boxes are available at the Salem, Blacksburg, Christiansburg, Vinton, Towers, Tanglewood, Crossroads, and Botetourt branches. Non-Freedom First ATMs in the network may accept deposits, but it may take longer to credit the deposit to your account and may have a fee associated with the transaction.

Can I customize the screen on ATMs to make it easier to use?
Freedom First ATMs have accessibility settings to give you the best possible experience. If more assistance is needed, please call the Contact Center at 540-389-0244 (toll free 866-389-0244) or see a branch manager at a branch convenient to you.

How do I get an ATM card or debit card?
ATM cards (associated with a Share or Savings accounts only) or Visa debit cards (associated with Checking accounts) can be ordered through a branch or by calling the Contact Center at 540-389-0244 (toll free 866-389-0244). If you are ordering or picking up a card at a branch, please have a valid government-issued ID with you.
View a full listing of our Products and Services:

Looking for a phone number, address, or other basic info?