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11 NC branches
deposit cash
withdraw cash
no surcharge
Thousands of ATMs, including MoneyPass® withdraw cash no surcharge
More than 100 CO-OP locations5 in NC
deposit cash withdraw cash no surcharge
Use your Civic app1 to load cash2 at participating retailers
add cash
no surcharge
Visit participating Walmarts3
add cash 
$3.74 reimbursed4
Deposit cash at participating locations
deposit cash withdraw cash
Our belief is that any ATM is your ATM!
Use the ATM you choose and we'll reimburse you for the surcharges. We got you covered.6
Ways to bank with Civic
When it comes to managing cash, Civic gives you more options than ever. See all the ways you can deposit, withdraw, and move cash at branches, ATMs, and retailers across North Carolina.
Guides to more cash solutions
Guides to more cash solutions
Cash Solutions
Choose the ATM you prefer
Use any ATM, anywhere with your Civic debit card2
Download the app
Get the Civic app1 to unlock fast, easy and secure ways to manage your money
Life is digital
So are these everyday financial tools
You know the details matter (and you are in good company)
Here are a few FAQs
How can I join Civic?
Join online or in person at one of our branch locations.
Are there really no ATM fees?
Yes, that's right! Here's how it works: Anytime you get charged an ATM fee, we'll reimburse your account, up to $20 each month. Give us about two days, and you'll see the fee reimbursement show up in your account. Of course, you can also use surcharge-free ATMs and avoid the need for reimbursement.
How much cash can I add at retailers?
You can add up to $500 or $1,000 per transaction, depending on the retailer. The minimum load is $20, and the maximum limit per day is $2,500 per person.
What retailers participate in Civic’s cash network?
There are more than 3,500 in North Carolina alone, including local mini-marts, and larger, more well-known chains like CVS, Walgreens, Dollar General, and many more. See the map above for retailers near you.
How does it work when you add cash at Walmart?
You can load up to $1,000 per transaction in cash directly into your account simply by tapping your debit card and providing cash to the clerk. You then have instant access to your deposit. There is a $3.74 retail service fee, which is deducted from your deposit. Civic will reimburse the retail service fee within two days.
When will I see my deposit in my account after I add cash at retailers?
Cash is added at retailers in near real time but may take up to an hour to display in your account. Results may vary depending upon the retailer.
1 Message and data rates may apply.
2 Add up to $1,000 per transaction and up to $2,500 per day, per person; limits are determined by the retailer and may vary by location. Minimum deposit is $20. Keep the receipt as proof of transaction. Funds may take up to an hour to appear in your account. There are no fees for using this service.
3 Walmart, the Walmart Spark Design, and Save Money. Live Better. are trademarks of Walmart, registered in the U.S. Patent and Trademark Office and in other countries. ©️2025 Walmart. All rights reserved.
4 Retail service fee up to $3.74 and limits may apply. Load up to $1,000 per transaction and up to $1,500 per day. Keep the receipt as proof of your transaction. Service provided by GreenDot.® All rights reserved. GreenDot Corporation NMLS #914924. GreenDot Bank NMLS #908739. If you are eligible for a retail service fee reimbursement, funds are typically released by Civic to your account within two business days, but timing may vary.
5 Loan payments at CO-OP branches exclude mortgage, credit cards, late and final payments or loan payoffs. For details on cash limitations, see full Funds Availability Policy Disclosure.
6 Civic participates in select surcharge-free ATM networks. See the current list of locations. Other ATM networks may charge an ATM fee that Civic will reimburse, up to a total of $20 per month per debit/ATM card beginning on the first day of the month and ending on the last day. If you are eligible for an ATM fee reimbursement, funds are typically released by Civic to your account within two business days, but timing may vary.