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Some ATM owners may impose a surcharge. 1Free checks available at account opening only and in standard design only. 2First four non-Point Breeze ATM and Point of Sale (POS) transactions are free. After four transactions, Point Breeze may charge a nominal transaction fee unless from a FREE Checking or Business Checking account. Signature-based transactions are always free. 3Access to surcharge-free CO-OP® Network ATMs available with the Point Breeze Visa® Check Card only. Surcharge-free means the owners of the physical ATM will not charge a fee, but other fees may apply. Transactions are always free at Point Breeze ATMs when using a Point Breeze ATM or Check Card. Products subject to change.