ATM Access

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Free ATMs nationwide1

You can use your debit card or ATM Card to get cash at ATMs nationwide.

With ATM access, you can:

  • Withdraw cash from 66,000+ Allpoint®, MoneyPass® or SUM® fee-free ATMs across the U.S. Not near a network ATM? We’ll reimburse fees up to $15 per month for use of out-of-network ATMs.1
  • Use your card internationally wherever you see the Mastercard®, Cirrus, or NYCE logos. Enjoy fee-free ATM withdrawals anywhere you see the Allpoint® logo. Other fees may apply.
  • Find nearby ATMs using our ATM Locator .

Not near an ATM? You can get cash back when you use your Debit Card to make purchases at thousands of supermarkets and drug stores.

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Questions?

    What type of card — debit or ATM — comes with my TIAA Direct account?

    The type of card you receive depends on which account you’ve opened. Here’s how it works:

    • If you open an Interest Checking account, you’ll receive a debit Mastercard,® which you can use to get cash and make purchases anywhere you see the Mastercard® logo.
    • If you open an Interest Checking account plus a High Yield Savings or Money Market account, or both, you’ll receive Debit Mastercard.®
    • If you open a High Yield Savings or Money Market Account, you’ll receive an ATM card.
    • If you open a CD, you won’t receive an ATM Card. Although you can’t access your CD at ATMs, you can view it online at tiaadirect.com and using the TIAA Direct Mobile Banking app.

    Will I receive a debit card or an ATM card?

    ACCOUNT CARD
    FAQs- Receiving Debit Card or an ATM Card
    Interest Checking Debit Mastercard®
    Interest Checking + High Yield Savings Debit Mastercard® (purchases are deducted from checking)
    Interest Checking + a Money Market Account Debit Mastercard® (purchases are deducted from checking)
    Money Market Account only ATM card
    High Yield Savings only ATM card
    Certificate of Deposit CDs don’t include an ATM card
  • What type of card — debit or ATM — comes with my TIAA Direct account?
  • What’s the daily limit on my ATM/debit card?

    Here are your daily limits for ATM cash withdrawals and debit card purchases.

    ACTION DAILY LIMIT
    (We may make exceptions. Please call us at 855-842-2372).
    FAQs- Daily Limits on ATM Withdrawals
    Withdraw cash from an ATM $500
    Make debit card purchases that require your signature $2,500
    Make debit card purchases that require your ATM PIN $2,500*


    *This includes “cash back” requests you make during your purchase

  • What’s the daily limit on my ATM/debit card?