Yes. However, in most cases, you will not have to pay a fee to make purchases or withdraw cash from a bank or ATM. Cardholders have free access to thousands of in-network ATMs in Arizona, neighboring states, and nationwide. Out of network ATM owners may impose an additional "convenience fee" or "surcharge fee" for certain ATM transactions. Additional services may incur a fee. For questions about fees, contact customer service at 1-866-802-7011.