Frequently Asked Questions about ATMs
April 13, 2026
Credit unions are cooperatives that are owned by their members. Each member has an equal share in the credit union and has earnings returned to them in many ways, including access to a nationwide network of more than 35,000 fee-free ATMs.
Here are some helpful answers to frequently asked questions about ATMs.
How can I find an ATM near me?
RCU has ATMs at its many branches, as well as in several other convenient locations including Windsor Town Green, Vintage Oaks Shopping Center in Novato, and the Sonoma County Airport. In addition, Members can use any Co-op network ATM for free. Locate an ATM near you.
What if I move out of the area?
If you move out of the area, you can still use Co-op ATMs just as you would an RCU ATM. Plus, you can use a non-RCU ATM and we’ll reimburse you, up to 4 times per month!*
And because RCU’s digital banking services are expansive, you can take along your trusted financial partner wherever you go.
Can I make a deposit in the ATM?
Yes, you can. As long as it’s an RCU or deposit-taking Co-op ATM, you can deposit checks and/or cash. Find a deposit-taking ATM.
What if I can’t find a Co-op ATM?
That’s not a problem! Use a non-RCU ATM and we’ll reimburse you, up to 4 times per month!*
What else can I do at an ATM?
At an ATM, you can withdraw cash, transfer money between deposit accounts, and make loan payments! You can even set your preferences to Spanish at RCU ATMs.
I’m going on a trip. Can I use an ATM overseas to get cash in the local currency?
You sure can! If one of the logos on the ATM matches the back of your card, that’s an ATM in our network, and you can use it. Learn more.
How do I know it’s safe to use an ATM for my transaction?
RCU’s ATMs are safe and secure. Here are some tips for how to safely use ATMs.
Whether you’re at work, home, or your favorite travel destination, your credit union is always nearby. If you have additional questions, please visit redwoodcu.org/contact to chat with us, log in to send us a secure message, or reach out to us at 1 (800) 479-7928. .
*First two non-RCU ATM fees reimbursed with active checking; first four non-RCU ATM fees reimbursed with active checking and active RCU loan or credit card. Active = 3 or more transactions per month. (Up to $10 per transaction, casino/gambling and ATMs outside U.S. excluded from reimbursement).
PPP Forgiveness Application Deadline
Congress passed The Economic Aid Act which changed the deferment period from 6 months post covered period to 10 months post covered period. For example, if your covered period ended June 30, 2021, under the new guidelines the earliest your first loan payment wouldn’t be due until April 2022, and you have until then to request forgiveness. Please use the following calculation to help you identify when your forgiveness will be due:
- PPP borrowers may select a covered period anywhere from 8 weeks to 24 weeks.
- RCU is automatically calculating your loan due date based on a 24-week covered period, if you intend on using a shorter covered period please inform us immediately as this will impact your due date.
- Your correct deadline will be reflected in your online banking account.
If all or part of your PPP loan is not forgiven, your first loan payment will be due the first of the following month after a decision is made by the SBA.
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