How To Deposit Cash To Usaa

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Depositing cash to USAA can seem a bit different than traditional banks, as USAA primarily operates online and doesn't have a vast network of physical branches. However, they've set up several convenient ways for their members to handle cash deposits. This comprehensive guide will walk you through each method, ensuring you can easily get your money into your USAA account.

Ready to get that cash into your USAA account? Let's dive in!

Depositing cash with USAA might feel a little unconventional at first, especially if you're used to walking into a brick-and-mortar bank. But don't worry! USAA has embraced modern banking solutions to make cash deposits straightforward for its members, leveraging technology and a broad ATM network. Below, we'll explore the various methods available, providing you with a clear, step-by-step approach to each.

Step 1: Understanding USAA's Cash Deposit Options

Before you rush out to deposit your cash, it's crucial to understand the methods USAA offers. Unlike traditional banks with widespread teller services, USAA primarily facilitates cash deposits through its ATM network.

Sub-heading 1.1: The Primary Method – USAA Deposit-Taking ATMs

This is often the most convenient and direct way to deposit cash into your USAA account. USAA has a network of ATMs that are specifically designed to accept cash deposits.

Key Feature: These ATMs allow you to insert bills directly without an envelope or deposit slip.
Availability: While not as ubiquitous as other bank ATMs, USAA's own deposit-taking ATMs are strategically located. You'll need to use USAA's ATM locator to find them.
Immediate Confirmation: You'll typically get an on-screen confirmation and a receipt detailing your deposit.

Sub-heading 1.2: The Widespread Network – Allpoint+ ATMs

USAA also partners with the Allpoint Network, which has over 55,000 surcharge-free ATMs across the United States and globally. Critically, some of these are Allpoint+ ATMs, which are deposit-enabled.

Expanding Your Reach: This significantly widens your options for cash deposits beyond just USAA-branded ATMs.
Look for the "+": Not all Allpoint ATMs accept deposits. You'll need to specifically look for "Allpoint+" signage or filter for deposit-enabled ATMs on their locator.
Partner Locations: You can often find Allpoint+ ATMs in popular retail stores like CVS, Walgreens, Target, and Kroger.

Sub-heading 1.3: What Doesn't Work for Cash Deposits

It's important to note what isn't an option for cash deposits with USAA to avoid wasted trips:

Mobile Deposit (Deposit@Mobile®): While excellent for checks, USAA's mobile deposit feature does not accept cash.
Mail Deposits: USAA explicitly states that you should not send cash or coins by mail for security reasons. Mail deposits are for checks only.
Shared Branches/Teller Services: USAA does not participate in a shared branching network for teller services that would allow cash deposits at other credit unions or banks.

Step 2: Locating a Suitable ATM for Your Cash Deposit

Now that you know your options, the next critical step is to find an ATM that accepts cash deposits for your USAA account.

Sub-heading 2.1: Using the USAA ATM Locator

Visit the USAA Website: Go to usaa.com and navigate to their "Locations" or "ATM Locator" section.
Utilize the Search Function: Enter your current location (city, state, or ZIP code).
Filter for Deposit-Taking ATMs: Look for an option to filter results specifically for "deposit-taking" or "cash deposit" ATMs. This will ensure the ATM you find can handle your cash.
Verify Features: The locator should indicate if the ATM accepts cash deposits. Pay close attention to this detail.

Sub-heading 2.2: Finding Allpoint+ ATMs

Visit the Allpoint Network Website: Go to allpointnetwork.com (or search for "Allpoint ATM locator").
Use the Locator Tool: Input your location.
Select "Allpoint+": Crucially, use the filter or option to specifically search for "Allpoint+" or "deposit-enabled" ATMs. This is the only way to ensure the ATM will accept your cash.
Check Retail Locations: As mentioned, Allpoint+ ATMs are often found within retail stores, so be prepared to look inside a store rather than a standalone ATM.

Pro-Tip: Before heading out, double-check the hours of operation for the store or location where the ATM is situated, especially if it's inside a business.

Step 3: Preparing for Your Cash Deposit at the ATM

Once you've located your ATM, a little preparation goes a long way to ensure a smooth deposit.

Sub-heading 3.1: Gather Your Essentials

USAA Debit or ATM Card: You will need your physical USAA debit or ATM card to initiate the transaction at the ATM.
Cash: Ensure your cash is in good condition – no crumpled, excessively worn, or torn bills. While ATMs are generally good at handling various conditions, cleaner bills will reduce the chance of rejections.
Optional: Pen and Paper: While not strictly necessary for the deposit itself, it's always a good idea to have something to jot down the transaction details or any issues.

Sub-heading 3.2: Understand Deposit Limits

USAA ATM Limits: USAA's deposit-taking ATMs typically accept up to 30 bills per deposit. If you have a large sum, you might need to make multiple deposits.
Allpoint+ ATM Limits: Deposit limits at Allpoint+ ATMs can vary depending on the financial institution. While USAA doesn't publicly state a specific limit for Allpoint+ deposits, it's generally in a similar range for single transactions. For large deposits, you may need to make multiple transactions or consider other options like money orders (though not directly cash).
Important Note: Your individual deposit limits may also vary based on your account history with USAA. Your specific limit is usually displayed within the USAA Mobile App when you initiate a mobile deposit (for checks, not cash) or may be indicated at the ATM.

Step 4: Making the Cash Deposit at the ATM

You've found the right ATM and have your cash ready. Now, let's complete the deposit.

Sub-heading 4.1: Initiating the Transaction

Insert Your USAA Card: Slide your USAA ATM or debit card into the card reader.
Enter Your PIN: Carefully enter your Personal Identification Number (PIN).
Select "Deposit": On the ATM screen, choose the "Deposit" option.
Select "Cash Deposit": If prompted, specify that you are depositing cash, not a check.

Sub-heading 4.2: Feeding the Cash

Insert Bills Directly: The ATM will open a slot for you to insert your bills. You can typically insert a stack of bills directly, in any orientation or order.
Wait for Counting: The machine will count the bills and display the total amount on the screen.
Verify and Confirm: Carefully review the amount displayed by the ATM. Ensure it matches the cash you inserted. If it's correct, confirm the deposit. If there's a discrepancy, follow the on-screen instructions, which usually involve removing the cash and re-inserting it, or cancelling the transaction.
Choose Your Receipt: You'll generally have options for a printed receipt, an on-screen summary, or no receipt. It is highly recommended to get a printed receipt as proof of your deposit. Some ATMs may even offer a receipt with images of the deposited bills.

Sub-heading 4.3: Funds Availability

Next Business Day: For most ATM cash deposits, USAA typically makes the funds available by the next business day after the day of your deposit.
Holds: While cash deposits are usually quick, USAA, like any bank, reserves the right to place a hold on funds for various reasons (e.g., newly opened account, large deposit, unusual activity). If a hold is placed, you will be notified.

Step 5: Alternative (Indirect) Methods for Getting Cash into USAA

While direct cash deposits are limited to ATMs, there are indirect ways to get physical cash converted and then transferred to your USAA account. These methods involve an intermediary step.

Sub-heading 5.1: Cash to Money Order/Cashier's Check

Purchase a Money Order or Cashier's Check: Take your cash to a location that sells money orders or cashier's checks (e.g., post office, grocery store, Western Union, another bank).
Pay with Cash: Purchase the money order or cashier's check using your cash.
Deposit the Money Order/Cashier's Check to USAA:
- Mobile Deposit (Deposit@Mobile®): This is often the easiest and fastest way to deposit a money order or cashier's check. Use the USAA Mobile App to take photos of the front and back of the item.
- Mail Deposit: You can also mail the money order or cashier's check to USAA along with a deposit slip. Order free deposit slips and postage-paid envelopes from Harland Clarke® through USAA's website or by contacting customer service.
- ATM Deposit: Select USAA deposit-taking ATMs also accept check deposits (including money orders/cashier's checks) in addition to cash.

Consideration: There will be a small fee for purchasing a money order or cashier's check.

Sub-heading 5.2: Cash Deposit to Another Bank, Then Transfer to USAA

If you have an account with another bank that has physical branches and accepts cash deposits, you can:

Deposit Cash to Your Other Bank Account: Walk into a branch or use an ATM to deposit your cash into your account at the other bank.
Transfer Funds to USAA: Once the funds are available in your other bank account, you can transfer them to your USAA account electronically.
- External Transfer (Initiated from USAA): You can link your external bank account to your USAA account and initiate a transfer from USAA.
- External Transfer (Initiated from Other Bank): You can also initiate a transfer from your other bank's online banking platform to your USAA account. You'll need your USAA routing and account numbers for this.
- Zelle®: If both banks support Zelle, you might be able to send money to yourself using your USAA-linked email or phone number.

Consideration: This method involves an extra step and potentially a slight delay as funds clear at the first bank before being transferred to USAA.