SUM, which stands for "Save U Money," allows cardholders of participating financial institutions to make surcharge-free withdrawals at nearly 2,900 designated ATMs of other SUM Program members. There are more than 500 financial institutions in 27 states, including Puerto Rico, in the program. According to NYCE, one of the elements that makes the SUM Program different from other surcharge-free programs is that the SUM fee structure is primarily based on usage. Similar programs require institutions to pay card royalty fees on their entire card base.
NYCE Adds More FIs to its SUM ATM Program
Outsourcing Action Plan