CO-OP Services

Discover more surcharge-free ATMs than nearly any bank.

Surcharge-free ATMs

As a member of First Imperial Credit Union and the CO-OP Network, you've got more surcharge-free ATMs than some of the biggest banks.

Get cash surcharge-free at more ATMS than ever. Our members can visit any of nearly 30,000 ATMs that display the CO-OP logo. So whether you're across town, or far from home for work or pleasure, you're never far from your money.


  • Never pay a surcharge when your card has the CO-OP logo on the back.
  • Use surcharge-free ATMs at place likes 7-Eleven and Costco.
  • Make deposits any nearly 9,000 ATMs
  • Locate an ATM wherever your are—through any of our easy locator tools, including phone, mobile app, text messaging or Internet.

CardNav by CO-OP, Protect your cards with real-time control

CardNav by CO-OP

Security and control for cardholders.  Introducting unprecedented, real-time control over your debit and credit cards through your smartphone or tablet. 

CardNav adds another level of security to your cards by letting you decide how and when they can be used, and alerting you when any types of transactions you specify take place.  You can even use CardNav to set personal spending limits that help you stay within your budget goals.


  • Turns cards on or off in seconds
  • Use GPS to restrict transactios to businesses within a designated area.
  • Limit card use to specific merchants or purchases.
  • Receive real-time, in-app alerts that let you stop unauthorized purchases before they're complete.
  • Receive alerts when you're getting close to any personal spending limits you've set.

Download the CardNav by CO-OP app, and gain a new level of security and control over your money today.