SUM ATM Network

It all adds up to convenience
Find an ATM

Withdraw money at thousands of in-network locations nationwide.

Use any of Xenith Bank's ATMs
Use any Atlantic Union Bank ATMs in Virginia & Maryland
Make withdrawals at thousands more

Let’s face it, no one wants to pay extra just to have access to their own money.

That’s why Xenith customers can make free withdrawals at any of our ATMs in North Carolina, as well as Atlantic Union Bank Trust ATMs in Virginia and Maryland. But what if you’re out of state, or just nowhere near one of our machines? We’re part of the SUM Network, a collection of thousands of surcharge-free* ATMs at community banks and credit unions throughout the United States. Just look for the bright red logo when you go for the green.

  • Xenith debit card holders can withdraw money from ATMs in the SUM Network, surcharge-free
  • SUM ATMs are located across the mainland U.S. and in Puerto Rico

*The surcharge fee is waived, however you may be subject to a $2.50 foreign ATM fee per withdrawal depending on your checking account type. Please refer to your account disclosure or contact your local branch.