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About STCU
ATM Locations

ATM/Debit Cards :: ATMs Fee :: Saint Thomas West ATMs :: CULIANCE

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STCU offers automated teller machines conveniently located on the premises of St. Thomas West Hospital and other locations off campus through the CULIANCE (formerly CU24) and CO-OP atm networks.

ATM/Debit Cards

*“Dr. Cash” ATM Cards are issued to members who have a Share Savings or EZ Account, and may be used ONLY to perform transactions at any ATMs.

VISA Debit Cards are issued for those who have a Share Draft (Checking) Account or an EZ Account and may be used to withdraw from any ATMs and/or anywhere that VISA cards are accepted.

*Both cards offer 6 free transactions in a month at the ATM, which includes balance inquires, transfers, and withdrawals. A VISA Debit Card can be used an unlimited number of times for point of sale (POS) transactions. Debit Cards issued for an EZ account do have restricted limits. Please call the CU for more details.

ATMs Fee

  • Non-credit union transactions/withdrawals will carry a surcharge.
  • Members are charged an STCU fee plus a surcharge fee to access STCU funds from “foreign” ATMs.
  • Refer to Fee Charges on our PDF File Fee Schedule for other applicable fees pertaining to card usage.

Services provided by ATMs on the Saint Thomas West campus

  • *Make withdrawals.
  • Transfer funds between accounts.
  • Check balances.
*On STCU cards, Tuesday to Thursday up to a maximum amount may be withdrawn per 24 hours cycle at the ATM, Friday to Monday up to a maximum may be withdrawn for the entire weekend at an ATM.


Saint Thomas West Hospital Campus ATM locations:
  • 2nd floor in the West Plaza, in front of Subway.
  • Outside of STCU office.
  • Seton Garage Skybridge.

ATMs Network Access for off campus and traveling:

As you travel, or while you are away from the St. Thomas campus, through CULIANCE (formerly CU24) and CO-OP ATM networks you can still make surcharge-free transactions. You can make withdrawals from a nationwide network of 80,000 surcharge-free ATMs (CULIANCE network) or nearly 30,000 surcharge-free ATMs (CO-OP network) as you travel across the United States and Canada. These ATM terminals can be found at many credit unions and in many popular retailers, including Publix Grocery stores, Circle K, Walgreens, and Costco.

To locate a nearby CULIANCE (formerly CU24) ATMs:
  • WEBSITE: Go to https://www.culiance.com/atmlocator/?charterNum=68071
  • MOBILE: Download their ATM Locator by CULIANCE (CU24) app from the iPhone App store or Google Play store. Search for CULIANCE.


To locate a nearby CO-OP ATMs:
  • WEBSITE: Go to https://co-opcreditunions.org/locator/?ref=allco-op.org&sc=1
  • MOBILE: Download their CO-OP ATM locator app from the iPhone App store or Google Play store. Search for CO-OP.
  • TEXT: Text a Zip Code to 91989 to find nearby ATM.
  • CALL: Call 1-888-SITE-CO-OP (888-748-3266) to find a location by telephone.
  • LIVE HELP: Available to CO-OP Shared Branch members. Call 888-837-6500 for live personal assistance.
Before you search for a surcharge -free ATM, please contact your credit union to confirm their participation in any of the surcharge-free programs of the CULIANCE (CU24) or CO-OP networks.

Ready to Join STCU?

Membership Application

More About STCU...

Office Information Membership Eligibility Switch to STCU Financial Reports

Main About STCU Page
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For general questions, information concerning our products and services, or problems with the website or home banking:

Please contact us at:
4230 Harding Rd., Suite 103, Nashville TN 37205
Phone: 833-292-7828, Fax: 615-463-2741 :: Email Us*
*Do not include or attach any document with any of your sensitive information in the email, such as complete social security number, birthdate, complete account number, etc.
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