How to access your money when you're traveling

Numerica offers simple, secure ways to access your money while you travel, whether it’s online, on your phone, or at thousands of ATMs. Stay in control, no matter where life takes you.  

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Being able to access your money is important, especially when you’re traveling or away from your favorite branch. Numerica has tools and services to keep you connected to your funds, manage your transactions, and get help no matter where you are.

Here’s how to access your accounts , and get help no matter where you are.

 

Use the Numerica Mobile App

Stay connected from your phone.

 

The Numerica Mobile App helps you handle your finances right from your phone. It’s the perfect addition to your travel checklist.  

With the Mobile App, you can:

  • Check balances and view transactions
  • Transfer money between accounts
  • Deposit checks using mobile deposit
  • Pay bills and make loan payments
  • Set card controls

Download the app for iOS or Android

Find a CO-OP ATM

Access your money across the country.

 

Our ATMs can do a lot, but you can’t take them on the road with you. Luckily, you’re not limited to Numerica ATMs.  

Numerica is part of the CO-OP ATM network, which means our members have access to over 30,000 surcharge-free ATMs nationwide.

While Numerica does not participate in Shared Branching, CO-OP ATMs still allow you to:

  • Withdraw cash anytime
  • Make deposits at select locations
  • Check your account balances

Find a CO-OP ATM near you or your next travel destination

Using an out-of-network ATM? 

Earn More. Pay less.  

 

If you have a Bonus Checking account, you can get up to $25 a month in ATM fee* refunds when you meet qualifiers.**  

It’s just one of the account perks Bonus Checking offers, along with an APY*** that’s 25x the national average****. It’s a checking account that earns while you’re on the move. 


 

What can you do where?

 

Check balances

Numerica app: ✔
CO-OP ATM: ✔
In-branch: ✔ 

Deposit checks/cash

Numerica app: ✔ (checks only)
CO-OP ATM: ✔ (some locations)
In-branch: ✔ 

Transfer money

Numerica app: ✔
CO-OP ATM: ✘
In-branch: ✔ 

 

Make loan payments

Numerica app: ✔
CO-OP ATM: ✘
In-branch: ✔ 

Freeze or unfreeze your card

Numerica app: ✔
CO-OP ATM: ✘
In-branch: ✔ 

Withdraw cash

Numerica app: ✘
CO-OP ATM: ✔
In-branch: ✔ 

 


Make transfers between accounts

Move money when and where you need it.

 

Whether you're splitting travel costs with friends or just shifting money between accounts, online transfers let you manage everything wherever you are.

You can also do external transfers, which are great for:

Automate your payments

Don’t miss a beat, even if you’re away.

 

Staying on top of your bills while traveling has never been easier. Setting up automatic payments through Online Banking or the Mobile App helps you:

Plan ahead for smoother travel

A few quick steps before you leave can save you stress later.

Travel checklist: Money prep before you go

  1. Confirm your mobile number and email in Online Banking
  2. Pack a backup card or enable your mobile wallet
  3. Schedule payments to avoid missed due dates
  4. Turn on text or push notifications for transaction alerts
  5. Know how to reach us if needed

Looking to save while you travel? Here’s how to stretch your dollars without sacrificing fun.  

 

If something goes wrong

Lost card? Locked out? We’ve got your back.

Even when you're away from home, help is close by:

Check out these additional safe travel tips to keep your finances protected while you’re away.

Reviewed August 2025 

Written by the Numerica Member Services Team

*

Bonus Checking ATM fee refunds and dividends require qualifying activity. See Bonus Checking account details for current rates, terms, and conditions. Rates effective as of 09/05/2025 and subject to change. 

**

Monthly qualifiers for Bonus Checking must be met for ATM fees to be refunded.

***

APY = Annual Percentage Yield. Fees may reduce earnings.

****

Calculation of 25x is based on national average of 0.08% APY from the December 2024 update of FDIC’s National Rates and Rate Caps.

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