Blog Details

News & Notes

Frequently Asked Questions about ATMs

Dec 07, 2020


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 30,000 fee-free ATMs. (This is a larger network than those of most major national banks!)

Still have questions? This should help.

How can I find an ATM near me?

RCU has ATMs at its many branches, including two new ones—one in Napa and the other in Boonville. Visit our online ATM locator to find a free 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. And because RCU’s online and mobile 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 here.

What if I need cash but can’t find a CO-OP ATM?

That’s not a problem! Use a non-RCU ATM and we’ll reimburse your fee, up to 4 times per month!* Learn more.

What else can I do at an ATM?

At an ATM, you can withdraw cash, transfer money between 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 the ATM shows a Plus, CO-OP, or Star logo, that’s an ATM in our network and you can use it without a fee. Learn more.

Remember, RCU doesn’t charge a foreign transaction fee for international credit/debit transactions. The other financial institution typically charges a fee; what they charge should be disclosed at the machine.

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 watch this short video, reach out to us at 1 (800) 479-7928, or log in to online banking and send us a secure message.


*First 2 non-RCU ATM fees reimbursed with active checking; first 4 non-RCU ATM fees reimbursed with active checking and active RCU loan or credit card. Active=at least 1 transaction or payment in prior month. Casino/gambling and ATMs outside U.S. excluded.



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