Quick answer: Yes, some ATMs dispense $10 bills, but only at select bank locations. Banks such as Chase, Bank of America, PNC, and Wells Fargo offer $10 bills at newer or upgraded branch lobby ATMs that support denomination choice or “Choose Bills.” Most standard ATMs still default to $20 bills.
If you need $10 bills right now: Try a bank branch lobby ATM first, then confirm on screen that denomination selection is available.
Not every ATM at these banks supports smaller bills, so it’s important to confirm denomination options before you withdraw.
Why Most ATMs Still Default to $20 Bills
ATMs historically dispense $20 bills because it simplifies cash stocking and machine design. Smaller denominations require additional cassettes, more frequent restocking, and more advanced software.
As banks modernize their ATM fleets, more machines support denomination choice, but $10-dispensing ATMs are still concentrated at newer or recently upgraded locations.
Banks and ATM Networks That Offer $10 Bills
Availability varies by branch, but the banks below currently offer the widest access to ATMs that can dispense $10 bills.
| Bank or Network | Where $10 Bills Are Most Likely | Feature Name | How to Confirm |
|---|---|---|---|
| Chase | Common at newer branch lobby ATMs | Choose Bills | Filter for advanced ATMs in the locator, or look for “Choose Bills” on screen |
| Bank of America | Expanding in full-service locations | Preferred Denominations | Look for “Full-Service ATM” in the locator and verify at the machine |
| PNC Bank | Widespread; some machines also offer $1s and $5s | Denomination Choice | Use locator filters and check in-branch lobby ATMs first |
| Wells Fargo | Available at select upgraded locations | Multi-denomination | Look for denomination options during withdrawal (“Choose Bills” or similar) |
| Allpoint / MoneyPass | Varies by retailer and machine operator | Varies | Use the network locator, then confirm at the ATM |
How to Find ATMs That Dispense $10 Bills Near You
- Use your bank’s ATM locator: Look for filters or labels such as “Advanced ATM,” “Full-Service ATM,” “Choose Bills,” or “Denomination Choice.”
- Try branch lobby machines first: These are upgraded sooner than outdoor machines and are more likely to offer $10 bills.
- Check high-traffic areas: Downtown, airports, universities, and transit corridors tend to get newer ATMs earlier.
- Confirm on screen: If you see an option like “Choose Bills” or “Select denominations,” the machine supports $10 withdrawals.
- Call ahead if you need exact bills: Ask the branch if their ATM offers denomination choice.
Summary: $10 bills are most common at upgraded branch lobby ATMs that support denomination choice. Check your bank’s locator first, then confirm at the machine by looking for a denomination selection option during the withdrawal process.
Alternatives if You Can’t Find a $10-Dispensing ATM
- Teller exchange: Withdraw cash and ask the teller to break it into $10 bills.
- Cash-back at checkout: Some retailers can provide smaller bills with a purchase, depending on the store.
- Try nearby branches: Another location a few miles away may have an upgraded ATM even if your closest one does not.
- Use your bank’s lobby ATM during business hours: These are often the newest machines and are restocked more frequently.
Do $10-Dispensing ATMs Exist in Every City?
No. $10-dispensing ATMs are more common in larger cities and high-traffic areas where banks deploy newer machines first. Smaller towns and older outdoor ATMs are less likely to offer denomination choice.
Common Questions About $10 Bills at ATMs
Do ATMs give $10 bills?
Yes, some do. You need a multi-denomination ATM that offers a denomination selection option during the withdrawal process.
Which banks are most likely to have $10-dispensing ATMs?
Chase, Bank of America, PNC, and Wells Fargo have widely deployed denomination-choice ATMs, but availability still varies by location.
Do Allpoint or MoneyPass ATMs dispense $10 bills?
Sometimes. These networks include ATMs operated by different companies, so denomination options vary widely by machine.
What if my ATM only gives $20s?
Try a branch lobby ATM, use teller exchange, or use cash-back at checkout if you specifically need $10 bills.
