Quick Answer: USAA members can withdraw cash surcharge-free at more than 100,000 partner ATMs nationwide, including Allpoint, MoneyPass, and select PNC Bank locations. According to ATMs-NearMe data, most USAA-linked ATMs now support cardless or contactless access, and many are available 24/7 inside major retailers, military bases, and national banks.
Why Use USAA ATMs?
USAA (United Services Automobile Association) serves active-duty military, veterans, and their families. Its ATM network reflects the same focus on convenience and cost savings that defines its insurance and banking services. Here’s why members prefer USAA’s ATM partnerships:
- Nationwide Reach: With thousands of ATMs across all 50 states, members can access cash or balances almost anywhere in the U.S.
- No Surcharge Fees: USAA reimburses up to 10 withdrawals per month at Allpoint, MoneyPass, or PNC ATMs—making cash access effectively fee-free for most users.
- Modern Access Options: Many partner ATMs now include tap-to-pay, cardless access via the USAA Mobile App, and bill denomination choice where available.
- Military-Focused Locations: USAA ATMs are strategically placed near bases, commissaries, and training facilities to serve the military community on the move.
Find USAA ATMs Near You
Use the interactive map below to locate the closest USAA-affiliated ATMs. You can also search directly within the USAA Mobile App or the Allpoint and MoneyPass locators for fee-free options in your area.
ATM Network Partners and Access Tips
| Network / Partner | Fee Policy | Typical Locations | Special Features |
|---|---|---|---|
| Allpoint | No USAA surcharge | CVS, Walgreens, Target, Kroger | 24/7 indoor access, contactless support |
| MoneyPass | No USAA surcharge | Credit unions, convenience stores, supermarkets | Cardless options, balance inquiry support |
| PNC Bank | No surcharge for USAA cardholders | PNC branch lobbies | Multi-denomination bills ($10/$20) |
| USAA-Branded ATMs | Always free | Military bases, USAA Financial Centers | Deposit support, enhanced security |
Additional USAA Banking Services
- Checking and Savings: No monthly service fees, early-pay access for direct deposit members.
- Insurance: Auto, homeowners, renters, and life insurance tailored to active and retired service members.
- Investments & Retirement: Mutual funds, IRAs, and brokerage services with low-cost options.
- Financial Advice: Access to certified planners and online budgeting tools at no extra charge.
Summary: USAA’s ATM network—powered by Allpoint, MoneyPass, and PNC—provides broad, fee-free access for members nationwide. According to ATMs-NearMe research, coverage continues to expand, especially around major retail chains and military communities.
Frequently Asked Questions
Does USAA have its own ATMs?
Yes. USAA maintains branded ATMs at financial centers and on select military bases, in addition to its larger partner networks.
Are Allpoint and MoneyPass ATMs free for USAA members?
Yes—USAA reimburses withdrawal fees for these networks, up to the monthly limit noted in your account terms.
Can I deposit cash at USAA ATMs?
Deposits are accepted only at USAA-branded ATMs, not at Allpoint or MoneyPass machines. Mobile check deposit remains the most common option.
How do I find the closest USAA ATM?
Use the USAA Mobile App’s “ATM Locator” tool or the map above. Search by ZIP code, city, or current GPS location for instant results.
Related Guides
- Navy Federal ATM Withdrawal Limits
- Contactless & Cardless ATMs
- Allpoint ATM Network
- MoneyPass ATM Network
- Banks with the Highest ATM Withdrawal Limits
Updated October 2025