If you’ve lost your USAA debit card or don’t have it with you, there are several ways to withdraw cash from your account.

Option 1: Use a USAA ATM with Mobile App

USAA allows cardless transactions at select ATMs.

Steps:

1. Open the USAA Mobile App.
2. Go to “ATM Locator” to find a compatible ATM.
3. Select “Withdraw Cash” and follow the prompts.
4. Enter the amount and generate a one-time code.
5. Enter the code at the ATM to get your cash.

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Option 2: Get Cash Back at a Store

Some retailers allow cash withdrawals at checkout without a debit card.

Steps:

1. Use your USAA credit card at a store that offers cash-back options.
2. Select “Cash Back” during checkout.
3. Enter your PIN and complete the transaction.

Option 3: Use a Digital Wallet (Apple Pay, Google Pay, Samsung Pay)

If your USAA debit card is linked to a digital wallet, you can use it at NFC-enabled ATMs.

Steps:

1. Open your mobile wallet (Apple Pay, Google Pay, etc.).
2. Tap your phone on the ATM’s contactless reader.
3. Enter your PIN and withdraw cash as usual.

Option 4: Wire Transfer to Another Account

If you can’t access an ATM, transfer money to another account and withdraw from there.

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Steps:

1. Log in to USAA online banking or the mobile app.
2. Select “Transfer” or “Wire Money”.
3. Send funds to a friend’s or your other bank account.
4. Withdraw from that account.

Option 5: Visit a Bank That Offers Over-the-Counter Withdrawals

Some banks allow non-customers to withdraw cash from their accounts with valid ID.

Steps:

1. Visit a partner bank (call USAA to confirm which banks offer this service).
2. Provide your USAA account details and valid ID.
3. Request a cash withdrawal.

Conclusion

Withdrawing money from USAA without a debit card is possible using cardless ATMs, cash-back at stores, digital wallets, wire transfers, or bank withdrawals. Choose the best method based on your situation and always ensure your account security.

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FAQs

1. Can I withdraw cash from an ATM without my USAA debit card?

Yes, if the ATM supports cardless withdrawals via the USAA mobile app.

2. What if my digital wallet isn’t linked to my USAA account?

You can add your USAA debit card to Apple Pay, Google Pay, or Samsung Pay in the wallet settings.

3. Does USAA offer emergency cash withdrawal services?

No, but you can use partner banks or wire transfers to access cash.

4. How much can I withdraw without a debit card?

Limits depend on ATM policies, store cash-back limits, and wire transfer restrictions.

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5. Can I get a temporary debit card from USAA?

No, but you can request expedited shipping for a replacement card.