ATM FAQs

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 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 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 *, ACCEL *, PLUS *, CIRRUS *, VISA *, Maestro *, Discover * or Mastercard * logo. And, 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.

* A nominal withdrawal fee is charged for each transaction made at ATMs in these networks

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?

Deposits are processed each business day. If you make a deposit at an ATM before 5:00 p.m. on a business day we’re open, we’ll consider that the day of your deposit. Normally, funds from your ATM deposit are then available on the second business day after the day of deposit. Business days are Monday through Friday. Holds may be extended per our exception hold policy. If an extended hold is placed on a deposited item, you’ll receive a mailed notice including 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. You’ll need your sixteen-digit card number, the last four digits of your Social Security Number, the three-digit security code next to the signature panel on the back of your card, and the four-digit expiration date on the front of the card. 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 $500 per calendar day. This amount may vary based on the ATM owner.