Xceed Financial Credit Union typically allows its members to use a network of ATMs without incurring a fee. However, if a member uses an ATM outside of their network, fees may apply. The exact fee structure can depend on various factors, including the type of ATM being used and the specific arrangements that Xceed Financial has with different ATM networks. It is also important to note that while Xceed Financial may not charge a fee for using their own ATMs, the ATM owner may impose a surcharge. For the most accurate and up-to-date information regarding ATM fees, it is advisable to check the official Xceed Financial website or the most current fee schedule provided by the credit union.