ATM FAQs

Q:  How much does it cost to use Vantage Credit Union’s ATMs?
A:  Credit union members can use any of our ATMs for free!

Q:  Where are Vantage Credit Union ATMs located?

A:  Vantage Credit Union currently owns 19 local ATMs. Click here to view all a list of all our ATM locations and associated maps.

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

A:  Yes. You can use thousands of ATMs worldwide.

Q:  Does it cost me anything to use a bank or other credit union ATM?
A:  Vantage Credit Union passes along a nominal per-transaction processing fee ($1.00 Foreign ATM Fee) that other ATM owners charge the credit union, for allowing our members to use foreign ATMs. However, foreign ATM owners may also charge a surcharge fee that could range anywhere from $1.50 to $10.00 or more (depending on the ATM owner). The surcharge is NOT charged by us, but by the foreign ATM owner. You can avoid paying surcharges for foreign ATMs by using an ATM with the CO-OP Network logo. Click here to find a CO-OP Network ATM. There are nearly 300 in the Greater St. Louis area.

Q:  What exactly is a surcharge?
A:  A surcharge is a fee that a foreign ATM owner (a non-Vantage or CO-OP ATM) charges people for the privilege of using their ATM. The state of Missouri does not 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.

Q:  Where are the most common surcharge ATMs located?
A:  Usually, these ATMs are found at: banks, tourist districts, convenience stores, gas stations and foreign countries.

Q:  Can I use my Vantage ATM Card or Visa Check Card in a foreign country?
A:  Yes. You can use either card at ATMs worldwide bearing the CO-OP Network, American Express*, STAR*, PLUS*, CIRRUS*, VISA*, Maestro*, Discover* or MasterCard* logo (*indicates that a nominal withdrawal fee is charged for each transaction made at ATMs in these networks). And, it’s less expensive to use an ATM in a foreign country to obtain cash than exchange cash for foreign currency at a foreign bank (due to exchange rates). One note: We've heard about instances when members experienced some difficulties using their Vantage ATM Card in certain foreign countries to access funds in their Regular Savings Account. This is because some countries’ ATM networks only allow people to withdraw money from their checking accounts.

Q:  Is it safe to make a deposit at a Vantage or CO-OP ATM?
A:  Yes. Actually, it’s safer to use an ATM than a night depository (drop box). Plus, when you make a deposit via ATM, you receive a receipt detailing the transaction (where a night depository does not). We don't recommend making deposits in ATMs located in foreign countries.

Q:  When will my ATM deposit be credited to my account?
A:  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. Funds from your ATM deposit are then available on the second business day after the day of deposit. Business days are Monday through Friday.

Q:  Can I make a deposit in an ATM not owned by Vantage Credit Union?
A:  Yes, if the ATM is in the CO-OP Network. However, we can't guarantee how long it will take another financial institution to send your deposit to us for processing. If you enjoy the convenience of making ATM deposits, but need the deposit to post in a timely manner, make deposits at our ATMs only.

Q:  What do I do if I lose my ATM Card?
A:
  During business hours, call us at 314.298.0055 or 800.522.6009. After business hours, call 866.820.8792.

Q:  Is there a fee to replace a lost or stolen Vantage Credit Union ATM Card?
A:  Yes, a small fee applies.

Q:  How long does it take to receive a new Vantage Credit Union ATM Card?
A:  Typically, you’ll receive the new card in 7-10 business days.

Q:  What do I do if I lose my Vantage Credit Union Visa Check Card?
A:
  Call 866.820.8792 first. Then call us at 314.298.0055 or 800.522.6009.

Q:  How much money can I withdraw from an ATM?

A:  You can generally withdraw up to $300 per calendar day. This amount may vary based on the ATM owner.

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