ATM Locations

Your Debit MasterCard® functions as your ATM card and uses the MoneyPass®, Pulse®, Plus® and Alliance One networks. MoneyPass is a nationwide Surcharge-Free Network. Alliance One is a Credit Union Surcharge-Free network.


Please note in order to have ATM access, you must have a Bay Area Checking Account. Please click below to find Surcharge-Free ATM's in your area.

Bay Area Credit Union provides a 24-hour drive-up ATM at our office for your convenience, and an ATM at the BP Toledo Refinery (restricted access.) There is never a surcharge to use your Bay Area Debit MasterCard at either of our machines.


The ATM/ Debit MasterCards® we issue are protected by FraudWatch® PLUS.


To report a lost or stolen Debit MasterCard, call 1-800-264-5578.

To contact FraudWatch within the USA, call 1-866-842-5208.

To contact FraudWatch outside the USA, call 1-701-461-2551.