SUM Network

Surcharge-free ATM Network
ATMs offer extraordinary convenience, providing anytime access to cash and account information in the smallest towns and the biggest cities. However, The SUM Surcharge-free ATM Network allows your bank’s customers to save time and money by offering surcharge-free access to thousands of ATMs around the country. In today’s busy world, small steps that save your customers time, money or add convenience are truly exceptional.

If your bank is a SUM Program member, your customers can use any SUM ATM without paying a surcharge.

The consumer benefits of the SUM Program are immediate and easy to access. Your customers don’t have to register, and all they need to withdraw cash without a surcharge is your bank-issued ATM card. Regardless of how many ATMs your bank has, with SUM, your customers have even more options for withdrawing funds anytime, anywhere.

Customer advantages include:

  • Access to thousands of surcharge-free ATMs, regardless of how many ATMs your financial institution operates

  • No surcharges for withdrawing cash when using SUM ATMs

  • Find SUM ATMs easily with the bright red logo

  • Look up SUM ATMs wherever you are with the SUM Mobile ATM Locator

  • No sign-up required by cardholders. Your bank simply needs to participate in the SUM Program

SUM and design are trademarks of NYCE Payments Network, LLC an FIS company. NYCE charges the lowest interchange transaction rate and pays the highest interchange rate.  


Contact: Mark Stanulonis
Senior Product Manager
(203) 326-0220