FAQ: Cirrus® ATM Network Q: Do I have to pay an extra fee for using a Cirrus® ATM Network machine?
A: Community Bank of San Joaquin does not charge its accountholders for using ATMs operated by other institutions. However, service fees may be assessed by the ATM's operator. Q: How can I avoid or minimize service fees charged by other
institutions when accessing my account through an ATM not operated by Community Bank of San Joaquin?
A: You may avoid or minimize network transaction fees if:
1) you are able to locate a Cirrus® Network ATM that is operated by an institution that does not charge for the use of their ATMs, or
2) if your ATM Card is linked to a checking account, you may access funds from this account by
requesting cash back when making a purchase from a NYCE merchant. Some merchants waive the service charge for this convenience, others have a nominal fee that is usually less than a network ATM fee. Q: I just made a deposit to my account. When I try to withdraw cash using my ATM Card, I get a message that funds are not available. Why?
A:
Funds deposited through an ATM or inside a branch may be subject to holds for verification or collection of funds. The amount available for withdrawal at an ATM will not exceed the funds available prior to the deposit. Please refer to your copy of Agreement & Disclosure provided to you when your account was established. Q: I am traveling out of Community Bank of San Joaquin's service area. Where can I use my ATM Card?
A: Any of over 900,000 Cirrus® ATM Network machine in over 120 countries worldwide. Click here to find locations in the area you are traveling. Related FAQs:
NYCE Point of Sale and ATMs
Visa® Check Card | 
