Member banks of this cash credit group charge ATM usage fees at a low level and most customers of the co-operative banks enjoy free withdrawal from their accounts.
However, in most tariffs of checking accounts, the service fee is taken over by the bank making the usage of the Bankcard-Servicenetz to be effectively free of charge to the customers.
Some banks with a very scattered structure of customers choose to not join the ATM group as the share of paying other bank's service fees would be significantly larger than being able to charge service fees within the interbank network.
However, they point their customers to use CashPool ATMs for free withdrawal while offering to use the Bankcard-Servicenetz ATMs as a fallback option that allows depositors to withdraw cash money at a low fee that is actually charged to customers.
This is the case for BBBank (2 times per month the fee is taken over), Bank für Sozialwirtschaft, and Sparda-Bank.