ATM Locator


ATM Locations

Watertown, NY

    *Northern FCU Drive-Up
    1180 E. Commerce Dr.

    *Northern FCU Drive-Up
    120 Factory Street

    Northern FCU ATM
    120 Factory Street

    Kinney Drugs
    905 Coffeen Street

    New York Air Brake
    748 Starbuck Avenue
    (located in cafeteria –
    available only to NYAB employees)

    P&C Food Store
    Rt. 11, Seaway Plaza

    Samaritan Med. Ctr.
    830 Washington Street

Gouverneur, NY

    *Northern FCU ATM
    145 East Main Street

Adams, NY

    *Northern FCU Drive-Up
    10924 US Rt. 11 - South Jeff Plaza

Sandy Creek, NY

    Sandy Creek Big M
    6103 North Main St.

Sackets Harbor, NY

    *Harbor Market
    111 Barracks Drive

Lowville, NY

    *Northern FCU Drive-Up
    5801 Number 4 Road

West Carthage, NY

    *Northern FCU Drive-Up
    88 Bridge Street

*24-Hour ATM

Co-Op Surcharge-Free Network ATMs

Don't get stuck paying outrageous fees! Your NEXT Debit Card gives you access to over 28,000 enjoy surcharge-free CO-OP Network ATMS.

Just look for the CO-OP Network logo and you will know that your NEXT VISA Debit Card will be accepted.

How do I find a CO-OP Network ATM?

  • iPhone App. The app+ is free, easy and there’s no registration process. Just search ‘CO-OP ATM’ in the App Store at Then download, install and go!
  • GPS. Download the CO-OP ATM locations directly to your Garmin®, Tom Tom® or other GPSdevice and you’ll never be lost looking for an ATM again.
  • Text your address, intersection or zip code to 692667 (MYCOOP) from any mobile phone.
  • Call (888) SITECOOP to access the voice ATM Locator
  • Visit the on-line CO-OP Network directory.