What is Alliance One?
How does Alliance One work?
Normally, if you use a so-called “foreign” ATM, you may expect to pay two fees. Your financial institution may charge you a fee because it has to process a transaction from another financial institution's ATM, and the financial institution that owns the ATM may charge you a fee – called a surcharge – because it has to process a transaction from someone who's not an account holder.
Here’s the good news. If your financial institution participates in Alliance One, the owners of the Alliance One ATMs do not assess this surcharge when you access your accounts through their ATMs.
While Alliance One eliminates surcharges, fees called “foreign ATM fees” may still apply. Foreign ATM fees are fees charged by your financial institution when you access your account at another financial institution’s ATM. For details about applicable foreign ATM fees, contact your financial institution.
I visited an Alliance One and paid a surcharge. What do I need to do to dispute the surcharge?
To dispute a surcharge, you’ll need to gather some information about your transaction. Note the amount of the surcharge, the location of the ATM, the amount of the transaction you performed, the date and time of day. Have your card number ready and contact your financial institution to dispute the charge.
Do I need to match one of the network logos on the back of my card with a logo on the ATM?
Yes. Not all Alliance One ATMs may be accessible to every cardholder. Be sure to match a network logo (i.e. STAR, Plus, Cirrus, NYCE) on the back of your ATM card with a logo on the ATM. For questions about your ATM card, participating ATM networks and ATM surcharges, contact your financial institution.
How can I ensure my safety at an ATM?
General ATM Safety Tips
Walk-up ATM Safety Tips
Drive-up ATM Safety Tips
Remember that your personal safety while conducting transactions at an ATM depends largely on the safety steps you follow. By making you aware of these important ATM safety tips, Alliance One hopes to keep you and your funds safe and secure.