ATM cards are available.  No surcharge applies if you use the card at the ATM's owned by the credit union which are located at: 473 E. Division Street in Dowagiac and KB Village Express (Phillips 66) on M-60 in Cassopolis. If you use the card at any other ATM outside of the Co-op Network you may have a surcharge from that institution.  If you use other ATM machines (foreign, not owned by DAFCU) you will be given four (4) transactions at no additional cost per month, but  after that 4th transaction your account will be charged an additional $1. Check with the credit union about the daily limitations set on the ATM Cards.  Your first ATM card is issued with no charge, replacement cards will carry a $10 fee.