If you are a SFCU member, and use your ATM or Debit card at a Sunbelt FCU ATM, there is no charge. If you use an out-of-network ATM you will be charged a fee by that financial institution and a $1 fee by Sunbelt. For our members with checking accounts and debit cards, we offer additional options. SFCU is part of a network of over 60,000 ATMs that our debit card holders can use at no cost. To find one of these ATMS, click here, enter in your location information and check the box for surcharge-free ATMs. If you are one of our members with Advantage Checking any ATM becomes a free ATM with up to $25 in ATM fees refunded each month.