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ATM FAQs

ATM Deposit FAQs

ATM Surcharge Rebates FAQs


ATM Deposit FAQs

Our full service, envelope-free ATMs will scan your checks and add up your cash for you. No more filling out forms or stuffing envelopes. No need to remember your account numbers or carry deposit slips.

How do I deposit cash?

  1. Insert a stack of up to 50 bills flat, in any direction, into the cash deposit slot (bills only—no coins).
  2. The ATM automatically counts your cash.
  3. Your total cash amount appears on the screen for you to verify.
  4. The number and bill denominations appear on your receipt.

How do I deposit checks?

  1. Insert your check into the check deposit slot face up. The ATM shows you the scanned check image on screen.
  2. Manually enter the amount of the check for verification.
  3. Repeat this for each check you wish to deposit. Then verify the amount on the screen.
  4. Your receipt lists each check you deposited and your total deposit. You may choose to either have check images printed on your receipt or print just a summary of the deposit.

Does the ATM take coins?

No, coins will jam the machine and damage it.

Can I deposit checks and cash together?

Yes. You can deposit both during the same transaction, but you will do so one at a time, in their individual check and cash slots.

Can I verify the accuracy of the deposit before I complete the transaction?

Yes. You will see each check on the screen and be asked to verify the amount. For cash deposits, total cash is displayed for your acceptance.

Why didn’t the ATM accept my check/cash deposit?

A check may be rejected if the account and/or routing number is printed too lightly for the scanner to verify or if the written amounts are not legible enough for the ATM to read. If a dollar bill is worn, torn, folded or has extraneous marks on it, it may be rejected by the ATM.

What should I do if I have a problem with my deposit?

Please contact Member Services or a member of the branch staff.

ATM Surcharge Rebates FAQs

What is an ATM surcharge?

It’s a fee assessed by another ATM owner for using their ATM to get cash, and it’s added to your withdrawal amount. A surcharge is in addition to any network ATM fee from your own financial institution for providing access to other network ATMs. (Remember, there’s no network ATM fee from VACU for up to 4 checking withdrawals per month at other institutions’ ATMs.)

How can I qualify for rebates on ATM surcharges?

To receive surcharge rebates up to $8 per month, just be sure to withdraw from your checking account with your SuperCheck debit card and maintain a qualifying direct deposit to the same checking account. See below.

What is a qualifying direct deposit?

It’s a direct deposit of your salary, pension, Social Security or other regular monthly income totaling $100 or more that’s electronically deposited that month to your checking account by your employer or an outside agency.

When are rebates for ATM surcharges credited to my checking account?

Rebates up to a total of $8 per month for ATM surcharges are credited to eligible checking accounts on the first business day of the following month (after the surcharges were incurred). To receive rebates, checking accounts must also be open and in good standing at the time rebates are paid.

Because VACU is offering these surcharge rebates, does that mean I don’t need to use VACU ATMs or Wawa and Sheetz ATMs?

Thank you for using fee-free VACU, Wawa and Sheetz ATMs or other cash alternatives when possible. You avoid ATM fees and you help your credit union control costs for the membership.

My husband and I each use a debit card for our joint checking account. Do we get surcharge rebates up to $8 each or is it $8 total?

It’s $8 total for the account.

Do ATM surcharge rebates also apply to savings withdrawals at other ATMs?

No, only withdrawals from checking accounts with other qualifying activity are eligible for surcharge rebates. Consider opening a checking account with a debit card and qualifying direct deposit to become eligible.