Members can use our Oak Ridge, Knoxville, and Methodist Medical Center ATMs at no charge. You can also use any MoneyPass or CO-OP ATM at no charge. If you are using an out-of-network ATM (anything that is not a TN Members 1st ATM, MoneyPass ATM, or CO-OP ATM) you may end up paying fees to both TN Members 1st FCU and the ATM Owner. Learn more about finding a surcharge-free ATM near you by visiting our ATM information online.