Primary Deposit Methods
Use a USAA ATM
USAA has a network of ATMs that accept cash deposits. Here's how to use one:
- Locate a USAA ATM: Use the USAA ATM locator to find an ATM near you that accepts deposits
- Deposit Cash: Follow the on-screen instructions at the ATM with your debit card and PIN
While not all ATMs accept deposits, you can use ATMs in the following networks:
- MoneyPass
- Allpoint
- PNC Bank
UPS Store Locations
One of the most straightforward methods is using UPS Store locations:
- Visit any participating UPS Store
- Present your government-issued ID
- Provide your USAA account number
- Hand over the cash
- Keep your receipt
Note: There may be a small fee for this service, typically around $5.
Purchase a Money Order
Convert your cash into a money order at:
- US Post Office
- Walmart
- CVS
- Western Union locations
- MoneyGram outlets
Then deposit using:
- USAA's mobile deposit feature
- Mail-in deposit service
Digital Alternatives
Transfer from Another Bank
If you have access to another bank:
- Deposit cash into that account
- Link accounts through USAA's online banking
- Transfer funds electronically
Third-Party Services
Several options are available:
- Green Dot: Use the Green Dot network to deposit cash at participating retailers
- Cash App: Deposit cash at participating stores through Cash App
- Venmo: Similar process using Venmo
Important Considerations
Time Frames
- UPS Store deposits: typically 1 business day
- Money order mobile deposits: 1-2 business days
- Third-party ATM deposits: up to 5 business days
Security Best Practices
- Always get a receipt
- Keep records of all deposits
- Verify funds appear in account
- Report discrepancies immediately
Cost-Saving Tips
- Combine multiple deposits into one transaction
- Use free deposit options when available
- Consider maintaining a local bank account for cash deposits
Deposit Limits
Be aware of:
- Daily deposit limits
- Monthly deposit limits
- Individual transaction limits
Contact USAA directly for your specific account limits, as they may vary based on your account type and history.
For the most current information about deposit options and policies, visit the USAA website or contact their customer service.