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Life is expensive, and it’s important to have access to your cash when you need it — even when the bank branches near you are all closed. If you have an account with Navy Federal Credit Union, you need to know what your ATM limits are and how you can get to your money. Here’s what you need to know about Navy Federal’s limits on withdrawals and deposits at ATMs. Understanding Limits on WithdrawalsLimits vary based on your account type and the method of your withdrawal. Keep in mind that you may be subject to additional limitations for security reasons.
Keep in mind that the cash and spending limits placed on accounts include all transactions from a calendar day. You may swipe your card at an ATM or merchant multiple times with no limitation on the number of individual swipes. What Is the Maximum Deposit Limit for Navy Federal ATMs?You can deposit up to $10,000 per day at any Navy Federal or CO-OP Network ATM. This includes both cash and check. For cash or checks totaling more than $10,000, stop by a Navy Federal branch and deposit using the teller line or drive-through. How Quickly Are My Funds Available After Making a Deposit?The first $225 of your check deposit — whether at an ATM or in a branch — is available to withdraw for cash by the next business day after your deposit. The remaining balance of your deposit is available after the second business day. There are several factors that might delay the availability of a check deposit, such as depositing more than $5,535 in one day or having multiple overdrafts on your account within the previous six months. Cash deposits at Navy Federal ATMs are available immediately for cash withdrawals and by the second business day for other purposes. What Are the Transfer Limits on My Navy Federal Account?
Check Out Our Free Newsletters!Every day, get fresh ideas on how to save and make money and achieve your financial goals. What Other Ways Can I Get Cash?If you’ve reached your debit card and ATM limits for the day, you can still access your money using the following methods: Request an IncreaseThere may be days when you need to spend more money than your daily limit allows. Call Navy Federal at 1-800-842-6328 and request a temporary increase on your daily limits. Keep in mind that these are approved on a case-by-case basis and may not be a long-term solution.
Cash Back on a Debit PurchaseIf you haven’t reached your daily limit but aren’t near an ATM to make a withdrawal, check a nearby merchant. Many stores and gas stations offer cash back for PIN-based transactions. Keep in mind that the limit will vary from store to store. Withdraw Cash From Another AccountIf you have a separate checking or savings account with its own debit card, you should be able to take out more cash from that account. Transfer money using online banking and then swipe your card at an ATM or merchant to access your funds. Stop By a BranchEven if you’ve reached your cash withdrawal limits at ATMs or merchants, you can still stop by a branch and withdraw cash in person. Make sure you have your identification. Data is accurate as of Sept. 30, 2022, and is subject to change. Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article. Can I deposit money at an ATM that's not my bank?Tips for Making Deposits
Typically, you cannot make deposits to another bank's ATM. If you don't have an account at a given bank, you can often make withdrawals (for an extra fee), but you can't make deposits.
Can I use any ATM for Navy Federal?You can access over 1.7 million ATMs in our network. When using a Navy Federal Visa Debit Card or CUCARD® at a Non-Navy Federal/Non-CO-OP Network ATM: A $1.00 ATM service fee is assessed by Navy Federal for all transactions.
Can I deposit cash at an ATM for Navy Federal?For Navy Federal ATMs
All deposits are subject to Navy Federal's Funds Availability Policy. The first $225 after a cash or check deposit will be available immediately for cash withdrawals only. The remaining funds will be available by the second business day after the day we receive your deposit.
Can you deposit Navy Federal anywhere?Deposit Checks From Anywhere, Anytime
With Mobile Deposits,* you can deposit personal and business checks safely and securely with your mobile device—all without having to visit a branch or ATM.
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