ATM Fees

Transaction Type
Navy
Federal
ATM
CO-OP
ATM
Network®
PLUS®
System
ATM

(including overseas)
MAESTRO
INTERLINK
Point-of-Sale
Share withdrawal $600 maximum per 24 hours (midnight to midnight, Eastern time), regardless of individual machine/network limits
None
None
$1.00
Not Applicable
Not Applicable
Cash Back at register
Deposit
None
None
Not Available
Not Applicable
Not Applicable
Rejected transaction (results from account-related problems such as insufficient funds, request exceeds limit, etc.)
None
Deposit Discrepancies: $2.00

Returned Check Deposits: $6.00
$1.00
Not Applicable
Not Applicable
Transfer
None
None
$1.00
Not Applicable
Not Applicable
Inquiry
None
None
$1.00
Not Applicable
Not Applicable
Invalid PIN attempt
None
None
$1.00
Not Applicable
Not Applicable
Purchase
Not Applicable
A few merchants may impose a surcharge
A few merchants in
WA, OR, CA, NV
& AZ may impose
a surcharge
Credit Card cash advance (2 transactions per day not to exceed total of $600. Maximum per transaction is $400.)
None
Not
Applicable
$0.50
Not Applicable
Not Applicable
    Reminders:
    • Please ensure you have sufficient funds in your account to cover the withdrawal and the fee.
    • Deposits can only be made at Navy Federal-owned ATMs and through the CO-OP network ATMs.
    • Loan payments can only be made at Navy Federal-owned ATMs.
    • You cannot transfer funds to another member's account, including family members.
    • Some financial institutions for example in the Plus System network may charge you a convenience fee for using their ATMs.
    *For deposits made at Vcom® ATMs, the owner will impose a fee of $2.00 per item if an adjustment is processes due to one of the following discrepancies in the deposit: the currency appears to be counterfeit; the deposit contents do not equal the deposit amount in U.S. dollars, as entered into the ATM; an item is unsigned by the maker; an item is dated more than six months prior to the date of deposit; the numerical and written amounts do not agree; the deposit is over $1,000 and contains an obvious alteration. For each adjustment initiated for deposit items processed and subsequently returned, the ATM owner will impose a fee of $6.00 per item at the time the adjustment is processed. The standard daily limit at CO-OP Vcom ATMs is $10,000 per card, per business day.