Corporate Profile

What is service without reach?
That is the question that four Central Florida credit unions aimed to solve in 1981 when they established CULIANCE as a way for credit unions to compete favorably and affordably with other financial institutions.

The goal was a flexible, shared, deposit-taking ATM network that fostered a cooperative environment in which credit unions could implement effective and sustainable electronic fund transfer strategies.

Now, 30 years later, CULIANCE boasts the nation's largest surcharge-free ATM network in the country, as well as the nation's largest point-of-sale network, with hundreds of thousands of POS locations across the country.

Incorporated in 1998, CULIANCE has grown into a strong, participant-owned, full-service ATM/POS cooperative serving credit unions across the country and overseas. Network participant members enjoy the convenience of POS access at many of the nation's most prevalent retailers, as well as an ATM network that has a presence wherever participant members are.

With the cooperative ideals of the credit union movement – service, ownership and self-determination – and national ATM and point-of-sale access for credit unions, CULIANCE is service with reach.

Products and services: EFT Solutions: ATM/POS Network, Surcharge-Free ATM Network, Merchant POS Program, Independent Sales Organizations Program.

CULIANCE By The Numbers
300,000+ ATM terminals located throughout all 50 states and multiple international locations, including Canada, Guam, Portugal, Puerto Rico, Japan and the United Kingdom.
500+ CULIANCE participating credit unions located in 26 states and the District of Columbia
Over 80,000 Surcharge-free ATMs in the CULIANCE CUHERE surcharge-free programs


Point-Of-Sale: The nation's largest credit union-owned POS network allows credit union members to pay for purchases with their debit cards at hundreds of thousands of locations, including most major national retailers and local merchants. With flexible programs and competitive interchange, CULIANCE enjoys priority routing with many retailers, leading to more captured transactions, greater network volume and increased interchange revenue for credit unions.

CUHERE Surcharge-Free Programs: Credit unions exist to provide for their members and CULIANCE's CUHERE surcharge-free programs help its participants do that with the nation's largest surcharge-free ATM access. Twice as large as the nearest competitor and nearly three times the size of the largest national bank, CUHERE surcharge-free programs allow credit union members fee-free access to their funds at on- and off-premise locations across the country.

Network Growth: By maintaining close relationships with independent sales organizations, payment processors and merchants, CULIANCE has aggressively expanded its ATM and POS networks, leading to consistent growth in participating credit unions.