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ATM FAQs

ATM Deposit FAQs

ATM Fee Rebate FAQs


ATM Deposit FAQs

Our full service 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 at (804) 323-6800 or (800) 285-6609 or a member of the branch staff.

ATM Fee Rebate FAQs

Are there fees for using ATMs owned by other institutions?

There’s no network ATM fee from VACU for up to 4 checking withdrawals per month at other institutions’ ATMs. See the Fee Disclosure for more details about ATM fees. Other ATM owners may add their own ATM fees, but learn below how you can get rebates on those fees.

How can I qualify for rebates on others' ATM fees?

To receive rebates up to $8 per month, just be sure to use your debit card to make a withdrawal from checking and have either a qualifying direct deposit or 15 debit card purchase transactions that month.*

*A qualifying direct deposit is an electronic deposit of your salary, retirement or other regular monthly income totaling $100 or more posted to the same checking account in the same calendar month in which the ATM fees were incurred.

Debit card purchase transactions are those for which you use your debit card to pay for things from your checking account. They must be posted to the same checking account in the same calendar month in which the ATM fees were incurred.

When are ATM fee rebates credited to my checking account?

Rebates up to a total of $8 per month for others' ATM fees are credited to eligible checking accounts on the first business day of the following month (after the fees 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 ATM fee 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 ATM fee rebates up to $8 each or is it $8 total?

It’s $8 total for the account.

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

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