Surcharge-free ATM Locations

Freedom is part of the MoneyPass ATM network. Search for surcharge-free MoneyPass ATMs nation-wide at You’ll find surcharge-free ATMs at the following locations, where balance inquiries are available, but deposits or loan payments are not.

Upper Chesapeake Medical Center
500 Upper Chesapeake Drive, (Outside lower level cafeteria and on the 5th floor of the Physician’s Pavilion II parking garage)
Bel Air, MD 21015

Harford Memorial Hospital
501 South Union Avenue
Havre de Grace, MD 21078

Find a MoneyPass Network ATM

Freedom has reciprocal usage agreements with the following Baltimore area credit unions where you can use your Freedom ATM/Debit cards without incurring a fee from Freedom.*

  • Atlantic Financial Federal Credit Union locations (

    • Hunt Valley Branch
      40 Schilling Road
      Hunt Valley, MD 21031
    • Inner Harbor Branch
      1 E. Pratt Street
      Baltimore, MD 21202


    First Financial Credit Union locations (

    • Lutherville Main Office
      1215 York Road
      Lutherville, MD 21093
    • Golden Ring Branch
      8665 Pulaski Highway
      Baltimore, MD 21237
    • Catonsville Branch, West Park Shopping Center
      6400 Baltimore National Pike
      Catonsville, MD 21228
    • Owings Mills Branch, St. Thomas Shopping Center
      9902 Reisterstown Road
      Owings Mills, MD 21117
    • Eldersburg Branch, Princess Shopping Center, Bldg. 2
      1213 Liberty Road , Unit 209
      Eldersburg, MD 21784
    • Westminster Branch, Crossroads Square
      625-H Baltimore Blvd.
      Westminster, MD 21157
    • Fullerton Branch, Putty Hill Plaza
      7966 Bel Air Road
      Baltimore, MD 21236
  • Johns Hopkins Federal Credit Union locations (

    • Johns Hopkins Outpatient Center
      601 N. Caroline Street (Concourse level, near gift shop)
      Baltimore , MD 21287
    • AA- Building Entrance
      4940 Eastern Avenue
      Baltimore, MD 21224
    • Johns Hopkins Hospital
      600 N. Wolfe St. Main Lobby (Lobby area, across from the gift shop)
      Baltimore, MD 21287
    • Bayview Branch
      5201 Alpha Commons Drive
      Baltimore , MD 21224
    • School of Hygiene and Public Health
      615 N. Wolfe Street (Monument St. lobby, under the stairs)
      Baltimore , MD 21287
    • The Peabody Institute, Cafeteria Lobby
      One East Mount Vernon Place
      Baltimore , MD 21202
    • Harry and Jeanette Weinberg Building
      401 N. Broadway, (Lobby area)
      Baltimore, MD 21287
    • Greenspring Station, Johns Hopkins Pavilion II
      10753 Falls Road
      Baltimore , MD 21093
    • 2024 Building
      2024 E. Monument St. (Entrance)
      Baltimore , MD 21287
    • Johns Hopkins at Eastern
      1101 East 33rd St., (lower level)
      Baltimore , MD 21218
    • Broadway Research Building
      733 N. Broadway (3rd floor, near the coffee bar)
      Baltimore , MD 21287
    • Montgomery County Campus
      9601 Medical Center Drive
      Rockville , MD 20850
    • Johns Hopkins University
      Gilman Hall, First Floor – across from CU branch
      3400 N. Charles Street
      Baltimore , MD 21218
    • Johns Hopkins at White Marsh
      4924 Campbell Boulevard
      White Marsh , MD 21236
    • Wyman Park Medical Center
      3100 Wyman Park Drive (left entrance vestibule)
      Baltimore , MD 21211


*Freedom does not have control over fees that may be charged by other financial institutions, third party service providers or ATM owners. Foreign ATM transaction fees do apply – $1.50 for cash withdrawals and $.50 for balance inquires conducted at ATMs that are not recognized by Freedom.