The Ding Free Network

There are more than 45 ATM’s in the Niagara Region that you can use for your daily banking convenience—you can find one near you right here. But being a credit union member also means you can use any credit union ATMs across Canada ding free.

You can use DING FREE ATMs just as if they were PenFinancial Credit Union ABMs.

When using DING FREE ATMs you'll only pay the .85 cent EXCHANGE Network fee. *There will be NO Surcharge fee (typically $1.50) for using one of these partner ATMs.

*This fee is waived for all Sprowt No Fee Student Banking members

ding free® from sea to sea

 From BC to Newfoundland, credit union members have access to over 2,400 surcharge-free ATMs. Added up, that’s a bigger ATM network than most banks. And it’s all ding free®.

 Leave ATM surcharges behind you.

We’ve all been dinged by surcharge fees at an ATM that wasn’t our own. But as a member of PenFinancial Credit Union you don’t have to rely on our ATMs to keep from getting dinged ever again. In fact, you’re part of one of the largest surcharge-free ATM networks in the country.

What's a surcharge?

A surcharge is a fee that the owner of an ATM charges an ATM user. ATMs that have surcharges will usually have a warning screen that appears before you finish a transaction to let you know about the surcharge. Surcharges range from $1.25 per transaction and up, and they are charged in addition to the service fees applicable to your account.

 Any credit union ATM is your credit union ATM.

Belonging to a national ATM network means you can bank ding free from sea to sea, with access to a national network of surcharge-free ATMs – a network bigger than most banks. Just look for a ding free sign on your ATM, and say goodbye to those pesky surcharge fees.

 Get the ding free locator app today.

Available for iPhone, Android, Windows and Blackberry devices, our new ding free® locator app can help you find the nearest surcharge-free ATM – wherever you are. To get yours for free, visit



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