ATM Services | PARAMA

Online Banking FAQs


ATM Services


Why pay a $1.50 fee to access your money when you can do it through The EXCHANGE® network ATMs for free! The EXCHANGE® network gives you surcharge-free access to ATMs through a select few banks, including HSBC, National Bank and Tangerine, as well as a long list of other participating Canadian Credit Unions. You can make deposits, cash withdrawals, transfers, PIN changes and balance enquiries at thousands of locations throughout Canada. You can also use your MEMBER CARD® at most direct debit/POS systems and at PARAMA you have unlimited transactions, free of any fees (unless the vendor charges a fee). Keep in mind, you still have access to INTERAC® ATMs, however surcharges may apply.

Visit to find your closest fee-free ATM and start saving!

Or check out the ding free® website at to find participating surcharge surcharge free ATMs. To make finding a ding free® ATM even more convenient, Canada’s credit unions have launched a free locator app which is available for iPhone®, Android®, Windows® and BlackBerry® devices.



The convenience of banking at PARAMA continues! When you are in the US you can make direct debit purchases at participating US merchants on the ACCEL POS network and make surcharge-free cash withdrawals at participating ATMs displaying the Accel logo (except where prohibited by law). The US dollar purchase value is converted to Canadian dollars when it is taken out of your account, reducing the need to carry excess US cash. You can also make cash withdrawals at any CIRRUS Network ATM, however surcharges may apply.





Canadian and U.S. ATM Locator

ACCEL POS® Network

U.S. Merchants


International ATM Locator

Ding Free®

Ding Free® ATM Locator app