How much does it cost to use Vantage Credit Union’s ATMs?

Credit union members can use any of our ATMs for free! Our fee for non-members to use our ATMs is $3.00 per transaction.

Where are Vantage Credit Union ATMs located?

View our Locations map to see where our ATMs are located.

Can I use ATMs owned by banks or other credit unions?

Yes. You can use thousands of ATMs worldwide. Just remember that sometimes there are charges associated with using ATMs belonging to other financial institutions.

Does it cost me anything to use a bank or other credit union ATM?

Vantage Credit Union charges $2.00 per transaction, including balance inquiries, at non-Vantage ATMs. These ATMs owned by other financial institutions may also charge a surcharge fee that could range anywhere from $1.50 to $10.00 or more (depending on the ATM owner). Please note that the surcharge is NOT charged by Vantage Credit Union, but by the ATM owner. You can avoid paying the $2.00 per transaction fee as well as surcharges fees by using a Vantage ATM or an ATM bearing the CO-OP Network logo. There are nearly 30,000 CO-OP Network ATMs nationwide. Find a CO-OP Network ATM where you are by clicking here, or by texting a street address, zip code, or “City State” to 91989.

What exactly is a surcharge?

A surcharge is a fee that an ATM owner (a non-Vantage or CO-OP ATM) charges people for the privilege of using their ATM. The state of Missouri doesn’t regulate ATM surcharges, so the surcharge fee can be whatever the ATM owner wants to charge. Of course, you don’t have to pay the surcharge because ATM owners who do surcharge are required to disclose their surcharge fees before you complete the ATM transaction. If you don’t want to pay the surcharge, simply cancel the transaction.

Can I use my Vantage ATM or debit card to withdraw from an ATM in a foreign country?

Yes. You can use either card at ATMs worldwide bearing the CO-OP Network, American Express, NYCE, PLUS, CIRRUS, VISA, Maestro, Discover or Mastercard logo. * Traditionally, it’s less expensive to use an ATM in a foreign country to get foreign currency than exchanging US currency for foreign currency at a foreign bank (due to exchange rates).

Some countries’ ATM networks only allow people to withdraw money from their checking accounts, so we encourage you to use a debit card. It’s recommended that members withdraw from a checking account instead of a savings account, as savings accounts may not be recognized on foreign ATM networks.

* A 1% foreign transaction fee based on the settlement amount is charged for each transaction. Conversion rates are subject to change.

Is it safe to make a deposit at a Vantage or CO-OP ATM?

Yes. When you make a deposit via ATM, you receive a receipt detailing the transaction.

When will my ATM deposit be credited to my account?

ATM deposits appear in your account immediately, but may not be immediately available.

  • A deposit made by 5:00 p.m. CST Monday-Friday (excluding holidays) is considered to be the first day of that deposit.
  • A deposit made AFTER 5:00 p.m. (or on a day we are not open) is considered deposited on the next business day we are open.

Please note that every day is considered a business day, except Saturdays, Sundays, and federal holidays, for determining the availability of your deposits.

Can I access my deposited funds immediately?

Availability of funds depends on your tier and the amount of the check. For deposits made to a checking account, $225.00 will be released the business day after the deposit is made, an additional $5,300.00 will be released on the second business day, and any remaining funds will be released on the seventh business day. *

* Holds may be extended per our exception hold policy. If an extended hold is placed on a deposited item, you will receive a Notice of Hold which includes the date the funds will be released.

Can I make a deposit in an ATM not owned by Vantage Credit Union?

Yes, if the ATM is in the CO-OP Network.

I’ve forgotten my ATM PIN. Can I get a new PIN?

Yes. For your convenience, you can now change your ATM card PIN by phone 24 hours a day, 7 days a week. Simply call 866.985.2273 and follow the prompts.

What do I do if I lose my ATM card, or it gets stolen?

Let us know right away by calling us at 314.298.0055 or 800.522.6009 during business hours. You can also report a lost/stolen card after business hours or on weekend/holidays by calling 866.820.8792.

Is there a fee to replace a Vantage ATM card?

Yes for a lost or damaged card it’s $10.00. There’s no fee for a card you’ve had stolen.

How long will it take to receive my new Vantage ATM card?

Seven to 10 business days.

How much money can I withdraw from an ATM?

Your limit is $1,000.00 per calendar day. This amount may vary based on the ATM owner.