You have choices when it comes to ATMs.
There are three types of ATMs you can use: USAA, USAA preferred and non-USAA outside of the preferred network.
There's no fee when you use a USAA ATM or one of 100,000 preferred ATMs. See note 1 To find a USAA or preferred ATM, use our ATM locator.
If you use a non-USAA ATM outside of the preferred network, we'll automatically refund up to $10 each monthly statement cycle in fees. The fee amount depends on who owns the ATM.
You can also make deposits at certain USAA ATMs. There's no fee, and you won't need a deposit slip or envelope.
Here's what you can do at each type of ATM.
| Function
| USAA
| USAA preferred
| Non-USAA outside of the preferred network
|
|---|---|---|---|
Withdraw money | Yes | Yes | Yes |
Deposit cash or checks at select locations | Yes | No | No |
Avoid ATM fees See note 1 | Yes | Yes | No |
Transfer between linked bank accounts | Yes | No | No |
Check your balance | Yes | Yes | Yes |
ATM FAQ
Banks will sometimes charge a service fee if you use an ATM that's outside their network. The owner or operator may charge you a surcharge fee to use their ATM. We don't charge ATM service fees and we'll automatically refund you up to $10 each monthly statement cycle for charges from other ATMs.See note1 The refund will show up on your statement as "ATM Rebate."
To find an ATM within our preferred network, use our ATM locator.
You may be charged a 1% foreign transactions fee. For more information see our Account and Service Fee Schedule.
Yes. A 1% foreign transactions fee may apply.
Yes. You can use your credit card at an ATM to get a cash advance. Use this option as a last resort if you need money quickly, such as in an emergency. Rates and fees for a cash advance are listed in your cardholder agreement.