APCI FCU is part of multiple ATM Networks that provide surcharge-free access to your money. Use our ATM Locator to find the most conveniently located ATM. APCI FCU does not maintain the list of surcharge-free ATMs. The list may identify ATMs that are not surcharge-free. APCI FCU allows up to 15 ATM withdrawals per month. You will incur a $1.50 ATM usage fee for any withdrawals numbering more than 15 in one month. Cash back options do not apply toward your 15 monthly withdrawals.