Quick answer: Allpoint is one of the largest surcharge-free ATM networks in the United States, with more than 55,000 ATMs located inside Walgreens, CVS, Target, Kroger, Circle K, and many retail stores. If your bank or financial app partners with Allpoint, you can usually withdraw cash without paying ATM operator fees.
Many online banks, fintech apps, prepaid cards, and digital banking services use the Allpoint ATM network to provide fee-free ATM access without operating their own physical branches.
What Is an Allpoint ATM?
An Allpoint ATM is part of the Allpoint surcharge-free ATM network operated by Cardtronics. These ATMs allow participating banks and financial apps to offer fee-free ATM withdrawals to customers.
Instead of building their own ATM networks, many digital banks partner with Allpoint to provide nationwide ATM access.
- Fee-free ATM withdrawals for participating accounts
- Nationwide ATM access
- Retail store ATM locations
- 24-hour ATM availability in many areas
- Cash withdrawals without branch banking
Banks & Apps That Use Allpoint ATMs
Many banks, online banking apps, and fintech companies use the Allpoint network.
| Bank or App | Uses Allpoint? | Fee-Free Access? |
|---|---|---|
| Capital One 360 | Yes | Yes |
| Chime | Yes | Yes |
| Cash App | Partial network access | Depends on account setup |
| PayPal Debit Card | Yes | Often fee-free |
| Current | Yes | Yes |
| Varo | Yes | Yes |
| GO2bank | Yes | Yes |
ATM fees and eligibility depend on your account type and card agreement. Always check your banking app before withdrawing cash.
Where Are Allpoint ATMs Located?
Allpoint ATMs are commonly located inside retail stores, pharmacies, convenience stores, and grocery stores.
- Walgreens
- CVS
- Target
- Kroger
- Circle K
- Speedway
- Rite Aid
- 7-Eleven
- Drug stores and grocery chains
Many Allpoint ATMs are available 24 hours a day depending on store hours and location access.
Map not loading? Open Allpoint ATM map in Google Maps.
How to Find an Allpoint ATM Near You
The easiest way to find nearby Allpoint ATMs is through your banking app or the Allpoint ATM locator.
- Use your bank or app ATM locator
- Search for Allpoint ATM locations near you
- Look for Allpoint logos on ATM screens
- Check retail stores and pharmacies nearby
- Verify fee-free eligibility before withdrawing
Many banking apps automatically filter for fee-free Allpoint ATM locations.
Do Allpoint ATMs Charge Fees?
Allpoint ATMs themselves are surcharge-free for participating banks and financial apps. However, fees may still apply if:
- Your bank does not participate in Allpoint
- Your account is not eligible for fee-free ATM access
- You exceed ATM withdrawal limits
- You use international or out-of-network ATMs
Most participating accounts display a message confirming surcharge-free access before the withdrawal is completed.
Related guides: ATM fees explained, lowest ATM fees, and surcharge-free ATM near me.
Allpoint ATM Withdrawal Limits
Allpoint does not set a universal withdrawal limit. Your ATM withdrawal limit depends on:
- Your bank or financial app
- Your account type
- The ATM owner’s machine limits
- Fraud and security controls
Most ATM withdrawal limits range from $300–$1,000 per day depending on the account.
Learn more in ATM withdrawal limits explained, temporary ATM withdrawal limit increases, and cardless ATM withdrawal limits.
Can You Deposit Cash at Allpoint ATMs?
Some Allpoint ATMs support cash deposits, but availability depends on your bank and the specific ATM location.
Deposit-enabled Allpoint ATMs are less common than withdrawal-only machines.
Related guides: ATM cash deposit limits and how long ATM deposits take.
Can You Use Allpoint ATMs Internationally?
Allpoint primarily operates in the United States, but some participating institutions allow international ATM withdrawals through partner networks.
International ATM fees and currency conversion charges may still apply depending on your bank.
See international ATM withdrawal limits.
Common Allpoint ATM Problems
| Problem | Possible Cause |
|---|---|
| ATM charged a fee | Bank not participating in Allpoint |
| Withdrawal declined | ATM limit or fraud block |
| Cannot process transaction | ATM network issue |
| ATM retained card | Security trigger or machine error |
| No cash dispensed | ATM malfunction |
Related troubleshooting guides:
- ATM Declined Card
- Why ATM Says Cannot Process Transaction
- ATM Charged But No Cash Dispensed
- ATM Ate My Card
Are Allpoint ATMs Safe?
Allpoint ATMs are generally safe when used at trusted retail locations and pharmacies.
- Use well-lit retail locations
- Avoid damaged or suspicious ATMs
- Cover your PIN during transactions
- Monitor your account activity
- Enable banking alerts
- Watch for skimming devices
Learn more in ATM safety tips and how to spot unsafe ATMs.
Allpoint vs MoneyPass
Allpoint and MoneyPass are two of the largest surcharge-free ATM networks in the United States. Many digital banks and fintech apps partner with one or both networks.
See our full comparison guide: Allpoint vs MoneyPass.
Related ATM Guides
- MoneyPass ATM Near Me
- Surcharge-Free ATM Near Me
- Allpoint vs MoneyPass
- ATM Withdrawal Limits Explained
- ATM Fees Explained
- Cardless ATM Near Me
How This Guide Is Maintained
This guide is reviewed and updated to reflect changes in Allpoint ATM access, surcharge-free ATM policies, participating financial institutions, and ATM withdrawal rules. ATM availability and fees may vary by bank and location. Last reviewed: May 2026.
Bottom Line
Allpoint is one of the largest surcharge-free ATM networks in the United States and is widely used by online banks, fintech apps, and digital banking services. If your bank participates in the Allpoint network, you can usually withdraw cash without paying ATM operator fees at participating locations.
Frequently Asked Questions
Are Allpoint ATMs really fee-free?
Yes, for participating banks and eligible accounts. Your banking app usually confirms surcharge-free access before you complete the withdrawal.
What banks use Allpoint ATMs?
Many online banks and fintech apps use Allpoint, including Capital One 360, Chime, Varo, Current, GO2bank, and others.
Where can I find Allpoint ATMs?
Allpoint ATMs are commonly located inside Walgreens, CVS, Target, Kroger, Circle K, Speedway, and other retail stores.
Do Allpoint ATMs allow cash deposits?
Some Allpoint ATMs support cash deposits, but deposit availability depends on your bank and the ATM location.
What is the ATM withdrawal limit at Allpoint?
Allpoint itself does not set a universal limit. Your withdrawal limit depends on your bank, account type, and the ATM owner’s machine restrictions.
Can I use Allpoint ATMs internationally?
Some participating banks allow international ATM withdrawals through partner networks, though international ATM fees may still apply.