Yes. USAA Federal Savings Bank does cover ATM fees for its checking account holders: it charges no fee of its own at any ATM in the United States, and it automatically refunds up to $10 per monthly statement cycle in surcharges that other ATM operators impose.1USAA. ATM Options Members also have access to a preferred network of more than 100,000 surcharge-free ATMs, so many withdrawals cost nothing at all.2USAA Newsroom. USAA Bank Eliminates ATM Usage Fee, Expands Surcharge-Free ATM Network
How the $10 Reimbursement Works
When you use an ATM outside USAA’s preferred network, the ATM’s owner may add a surcharge. USAA doesn’t block that fee, but it automatically refunds up to $10 of those third-party surcharges each monthly statement cycle. You don’t have to request anything. The refund appears on the account as an “ATM Rebate” and can be viewed on your monthly statement, the USAA website, or the mobile app.1USAA. ATM Options
The $10 cap resets with each new statement cycle. Anything above $10 in third-party surcharges within a single cycle comes out of your own pocket. USAA has cited a 2022 Bankrate study putting the average out-of-network surcharge at about $3.14, so most members would need three or four out-of-network withdrawals in a cycle before hitting the cap.3San Antonio Express-News. USAA ATM Fees Network
The Surcharge-Free Network
The simplest way to avoid ATM fees is to stay inside USAA’s preferred network of more than 100,000 ATMs nationwide. These machines charge no surcharge, and USAA charges nothing on its side either. The network runs on the Allpoint+ system, with ATMs located inside retailers such as CVS, Walgreens, and Target.1USAA. ATM Options
You can find nearby preferred ATMs through the ATM locator on the USAA website or mobile app. The locator has a “Deposit Cash” filter that narrows results to Allpoint+ machines that accept cash.1USAA. ATM Options USAA’s own branded ATMs accept both cash and check deposits at no charge.4USAA. ATM Video Text
Withdrawal and Deposit Limits
USAA debit cardholders can withdraw up to $1,000 per day and make up to 20 ATM withdrawals every 24 hours. Some machines may require more than one transaction to reach the daily limit. If you need more than $1,000 in a day, you can request a temporary increase through the USAA website.1USAA. ATM Options
For deposits, USAA-branded ATMs have no cash deposit limit. Allpoint+ ATMs cap deposits at $1,000 per transaction and $5,000 per card over a rolling 30-day period. Neither charges a deposit fee.1USAA. ATM Options At USAA-branded machines, you can deposit up to 30 bills or 10 endorsed checks per transaction with no envelope.4USAA. ATM Video Text
International Withdrawals
USAA may charge a 1% foreign transaction fee on international ATM withdrawals. The bank’s support page does not spell out whether the $10-per-cycle reimbursement applies to surcharges from foreign ATM operators; it points members to the Account and Service Fee Schedule for details.1USAA. ATM Options If you plan to withdraw cash abroad, review that schedule or contact USAA to confirm what’s covered.
Savings Accounts
USAA savings account holders can request a free ATM card for cash withdrawals. It works at ATMs but can’t be used for purchases the way a debit card can. USAA doesn’t charge savings account holders a service fee for ATM use, though third-party surcharges at out-of-network machines still apply.5USAA. Debit Card One boundary worth noting: the $10 reimbursement is described in USAA’s materials as a benefit for checking account holders, and the published pages don’t confirm that savings account holders receive the same refund.