Looking for an ATM that dispenses $10 bills near you? Most ATMs default to $20 denominations, but a growing number of machines now offer $10 options or allow you to choose custom bill mixes. Below you’ll learn how to find them, which banks support them, and tips when you can’t find one.
Why Most ATMs Default to $20 Bills
Many ATMs are stocked with $20s because it simplifies maintenance, reduces complexity, and minimizes cash-handling errors. ATM operators aim to optimize throughput, and using a single denomination helps reduce restocking frequency and reduces machine complexity.:contentReference[oaicite:1]{index=1}
Banks and ATMs That Dispense $10 Bills or Offer Denomination Choice
Here are notable examples of banks/ATMs that support $10 bill withdrawals or let you choose denominations:
- Chase “next-gen” ATMs — Many modern Chase ATMs allow a custom withdrawal amount and dispense multiple denominations, including $10.:contentReference[oaicite:2]{index=2}
- PNC “Denomination Choice” ATMs — These let you choose exact bills, with options as low as $1 and $5 in select locations.:contentReference[oaicite:3]{index=3}
- Bank of America ATMs — In some machines, you can choose $10, $20, or $100 bills.:contentReference[oaicite:4]{index=4}
If your bank’s ATM supports it, the withdrawal screen usually shows “Customize Bills” or “Denomination Choice.” Otherwise, default $20s will be dispensed unless you override. But not all branches of a bank will support $10 bills, even in the same region.:contentReference[oaicite:5]{index=5}
How to Find $10-Dispensing ATMs Near You
- Search your bank’s ATM locator and filter by “Denomination Options” or “Custom Bills” (if available).
- Call local branch ATMs and ask, “Do your machines dispense $10 bills?”
- Use community forums or Reddit posts where locals name ATMs that offer it.:contentReference[oaicite:6]{index=6}
- Try ATMs inside branches (they often have more flexibility than standalone units).
What to Do If You Can’t Find One
If your area lacks an ATM that dispenses $10 bills, here are fallback options:
- Make a withdrawal of a larger amount that divides evenly by $20 or other denominations.
- Withdraw cash and visit your bank branch’s teller to break it into $10s.
- Use a grocery store or retailer that allows “cash back” and request $10 bills.
- Check neighboring ZIP codes or branches for upgraded ATMs with denomination choice.
See Also: Further Reading on $10 Bill ATMs
FAQ: $10 Bill Withdrawal from ATMs
Can all ATMs dispense $10 bills?No. Only select ATMs support $10 denominations or allow custom bill selection. Many default to $20 only. How do I know if an ATM has $10 bills?
Look for options like “Choose Bills” or “Customize Denominations” on the withdrawal screen. Why don’t more ATMs offer $10 bills?
Because stocking multiple denominations increases complexity and maintenance cost for ATM operators. Will my bank let me request $10 bills from a teller?
Yes. Most bank branches will break down larger bills into $10s if you ask, especially during business hours.
Conclusion
ATMs that dispense $10 bills are still rare, but modern banks like Chase and PNC are rolling out more machines with denomination flexibility. Use the tips above to locate one near you. And if you don’t find one, fallback strategies like teller requests and custom cash-back options can save the day.
Updated October 2025