The Exchange is a multi-bank ATM network. It originated in the northwestern United States before expanding to Canada in 1983. As of 2017, many Canadian credit unions, along with The Alterna Bank, Alterna Savings, Canadian Western Bank, Citibank, HSBC Bank Canada, Manulife Bank of Canada, First Nations Bank of Canada and National Bank provide surcharge-free ATM access to members of other participating financial institutions through the network.[6]