Vantage members can use any of our ATMs for free! Our fee for non-members to use our ATMs is $3.00 per transaction. Please note that other fees may apply for any non-Vantage member using our 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 surcharge-free ATM near you.

Yes, the fee for a lost or damaged card is $10.00. There is no fee for a card that has been stolen.

While ATM deposits are credited to your account at the time your deposit is made, the funds may not be immediately available for use subject to our Funds Availability Policy.

Our limit for ATM withdrawals is $1,000.00 per calendar day, and the ATM plus limit is $1,500. This is applicable on all our ATM and debit cards. These amounts may vary based on the ATM owner.

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.*

• 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.

*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.

Debit card transaction limits depend on your account’s available funds and system parameters. You can always contact us ahead of time to make sure your transaction limit will accommodate a large transaction you’re anticipating.

7 to 10 business days.

Yes, as long as you also have a checking account, you can access your Regular Savings account by using your debit card at an ATM. If you only have a savings account, you would need to have an ATM card.

Yes. You can use thousands of ATMs worldwide. Just remember that sometimes there are charges associated with using ATMs belonging to other financial institutions. When using an ATM outside of the CO-OP network, you’ll incur a fee from Vantage, as well as any fee assessed by the ATM owner.

Yes. For your convenience, you can change your ATM card PIN by phone 24 hours a day, 7 days a week. You’ll need your card number, the last four digits of your Social Security Number and the phone number on file.

Cardholders with a U.S. phone number will need to call 866.985.2273 and follow the prompts.

Cardholders with an international phone number will need to call 531.262.5314 and follow the prompts.

Yes. In eligible countries, you can use either card at ATMs worldwide bearing the CO-OP Network, American Express, NYCE, PLUS, CIRRUS, VISA, Maestro, Discover or Mastercard logo.* Sometimes, 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 currency 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. Other fees may apply.

We offer three types of overdraft protection, which are tapped in the following order: a Personal Line-of-Credit with overdraft feature selected, coverage from your Regular Savings, and coverage from our Discretionary Courtesy Pay service. If you overdraw your available checking account balance and have a linked Personal Line-of-Credit, funds are automatically transferred, subject to available credit limit, from the line-of-credit to cover your overdrafts for a nominal fee per transfer. You must apply and be approved for a Personal Line-of-Credit and, since it is a line-of-credit, finance charges apply to all advances.

If you don’t have a linked Personal Line-of-Credit or have exhausted your line-of-credit, funds are automatically transferred from your Regular Savings account to cover your overdrafts. Each automatic overdraft transfer from Regular Savings incurs a nominal fee. If the available balance in your Regular Savings account doesn’t cover your overdraft, our Discretionary Courtesy Pay service may cover overdrafts after first deducting our standard Courtesy Pay Fee for each transaction.

Our Discretionary Courtesy Pay service is not a loan or line-of-credit, is offered at our discretion, and may be removed at any time.

Let us know right away by selecting Report Card Lost/Stolen under Card Services in digital banking or 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.