WORST BANK EVER!!!!!!
User Brandon and Sarah (Opens a pop up layer) Occasional Contributor
User ChiefCz (Opens a pop up layer) Frequent Contributor
USAA does have their own ATM's. I think they are mostly in TX. I use one on a regular basis. And yeah, 3-5 days isn't so bad. My father in law works on an armored car that services ATM's. I asked him about this and he said some of the ATM's only get checked every 10-14 days on his route. In reality it could take a few weeks to investigate. What will probably happen in the next 3-5 days is that USAA is going to review the video tape from the ATM to make sure you are not scamming the bank. Once they finish that review, they will probably credit your account. On the next scheduled ATM service visit they will also check the amount of money in the ATM to see if it is over/under what it should be. At that point, the investigation will probably be finished.
User GH73 (Opens a pop up layer) Contributor
User Ms.Heinleiner (Opens a pop up layer) Frequent Contributor
USAA ATMs are mostly located at the financial centers. Most ATMs are serviced by outside companys. Also, turns out the ATM can run out of money. The reason USAA makes you wait 48 hours to fill out an ATM dispute is because most ATMs will do self maintenance and realize it failed to give you money. It will then correct the mistake with the bank. If this does not happen and you have to file a dispute, it takes 3-5 business days to process. PArt of this is the research involved and part of it is the number of disputes (this hasnt happned to just you) that must be completed. FYI, you can use any atm, and if you get charged a fee USAA will refund up to $15 when your statement cycles.