<prompt> Human: The Credit union is PenFed, which I chose in part because its a large one NYUs, which I would qualify for as an alumnus is pitifully small. In any event they dont have much of a presence in my home town NYC but they replied to tell me that the are members of AccelExchange, CIRRUS, American Express AMEX, CU24, and the Armed Forces Financial Network AFFN.It seems that Id have no problem getting to my money, but what of fees? The Cu24 network seems to be free, saying there are no fees, but is it really? What are the best options to get cash from ATMs without paying fees, if possible?I havent made the switch yet, and am trying to research this before I bolt from Bank of America.  <response>: It is very easy to not pay fees. My credit union has an app with an ATM locator. There are at least two ATMs I can use free within a 5 minute walk that are totally unaffiliated with my CU. One is in a Dunkin Donuts. I have also found that I can use the ATM at every 7-11 Ive come across without a fee. Ive never even seen an ATM for my CU outside of a branch. Its all about the network. 