One Card ATM Banking Made Easy

One Card ATM banking is a convenient way to manage your finances.

With a single card, you can access multiple accounts and perform various transactions at any ATM. This eliminates the need to carry multiple cards or worry about which one to use.

You can also set up a single card to work with multiple banks and financial institutions, making it easier to manage your money on the go.

This type of banking is especially useful for people who have multiple accounts or financial responsibilities, such as business owners or individuals with multiple credit cards.

Using an ATM can be a convenient way to manage your finances. You can use one card ATM to withdraw cash, deposit checks, and perform other transactions.

Typically, you can withdraw up to $1,220 per day, though some ATMs may have lower limits. If you're far away from a CU1 ATM or branch, you can also withdraw cash from over 30,000 ATMs that are part of the CO-OP Network for free.

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To deposit cash, you can use a CU1 ATM to deposit bills into your Free Checking or Primary Savings accounts. Make sure you deposit bills—coins are not accepted. You can deposit up to 30 bills at once.

Here are the self-service features available in ATM mode:

Using a PTM is like having your own personal ATM assistant. You can access the machine 24/7.

The UnitedOne Personal Teller Machines (PTMs) have all the functionality of traditional ATMs, with the added benefit of face-to-face member service. This means you can get help if you need it.

To use the ATM functions of a PTM, simply insert your debit card to begin. This will unlock the self-service features.

You can withdraw cash, deposit checks or cash, and even transfer funds between accounts. The machine can accept up to 40 checks or bills at a time, so enter them in batches of 40 if you have more.

Some of the self-service features include withdrawals with optional bill mix, deposits with cash or checks, account inquiries and transfers, and ATM preferences and PIN changes.

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Making a withdrawal from an ATM is a straightforward process. You can withdraw cash from your Primary Savings and Free Checking accounts at any Credit Union 1 ATM, typically up to $1,220 per day.

Some ATMs may have lower limits, so it's a good idea to check before you go. You can also withdraw cash from more than 30,000 ATMs that are part of the CO-OP Network for free.

If you're far away from a CU1 ATM or branch, the CO-OP Network is a great option. And, you can make cash and check deposits at nearly 9,000 CO-OP ATMs for free too.

Here are some key things to keep in mind when making a withdrawal:

After your fourth withdrawal in one calendar month at an ATM that is not from CU1 or the CO-OP Network, there is a $1.00 per withdrawal fee. So, it's a good idea to plan your withdrawals accordingly.

You can use a CU1 ATM to check the balance of your CU1 Primary Savings and Free Checking accounts. It's essential to regularly check your account balances to keep track of how much money you have available.

Balance inquiries at non-CU1 or CO-OP ATMs cost $1.00. This means you'll need to factor that extra fee into your budget if you choose to use these ATMs.

With CU1 Digital Banking, you can see the balance of any of your CU1 accounts, and those with external financial institutions, to get a clear view of your finances.

Consider reading: How to Deposit Check at Atm without Card

You can deposit checks into your account using a CU1 ATM, but make sure the payee is on the account, or your check will be rejected.

Up to 30 checks can be deposited at a time, and you don't need to use an envelope - just orient your checks correctly.

The ATM screen will show you the right way to align your checks, and you can choose to see images of your checks on the screen before the transaction is accepted.

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Your receipt will list your deposit's exact amount and include images of your checks.

Funds from check deposits less than $500.01 are available for use within two business days after the business day you make your deposit.

For example, if you deposit a check on a Tuesday, the funds will be available by Thursday at the latest.

For deposits $500.01 or greater, your funds will be available at the earliest on the second business day after the business day when you make your deposit.

Checks deposited on weekdays before 4:00 p.m. Central Standard Time are considered received that day, while checks deposited on weekends or holidays are considered received the next business day.

If you deposit a check on a Saturday, the funds are considered deposited the following Monday, and you could use them by Wednesday at the latest if your deposit is less than $500.01.

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Checking your account balance regularly is a great way to stay on top of your finances. You can use a CU1 ATM to check the balance of your CU1 Primary Savings and Free Checking accounts.

It's essential to check your balance to see how much money you have available to make purchases, pay debts, and transfer between accounts. You can also use CU1 Digital Banking to see the balance of any of your CU1 accounts.

Balance inquiries at non-CU1 or CO-OP ATMs cost $1.00, so it's a good idea to use a CU1 ATM if you need to check your balance.

A credit card cash advance is essentially a short-term loan that allows you to withdraw cash from your credit card at an ATM.

This option is often available to you through your credit card company, but it's essential to understand that it's not the same as using a debit card.

You can access cash with your credit card at an ATM, but be aware that it can be expensive.

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