Need cash quickly? This guide helps you locate nearby ATMs—especially surcharge-free, cardless/contactless, drive-thru, and 24/7 machines. Use the map and search below, then scan the quick tips, network comparisons, and FAQs to avoid fees and stay safe wherever you are in the U.S.
Use Our Interactive ATM Map
Zoom and tap markers to view directions, hours, and basic fee notes. If a surcharge screen appears at the ATM, cancel and choose another in-network machine nearby.
Search by Address or ZIP Code
Quick Tips to Save Money & Time
- Prefer in-network or surcharge-free machines. Compare networks in Allpoint vs. MoneyPass.
- Withdraw larger—but fewer—transactions to reduce per-transaction fees.
- Traveling? Plan ATM stops ahead of time with our surcharge-free travel guide.
- Use cardless/contactless where available to lower skimming risk.
Best ATM Networks for Fee-Free Access
Many banks partner with surcharge-free networks so you can avoid operator fees. Availability varies by account and location—confirm in your bank’s app before you go.
| Network | Typical Access | Where You’ll Find Them | Good For |
|---|---|---|---|
| Allpoint | Surcharge-free for participating banks & fintech cards | CVS, Walgreens, Target, many convenience stores | Wide national coverage, retail hours |
| MoneyPass | Surcharge-free for participating banks & credit unions | Credit unions, regional banks, select retailers | Community banking footprint |
| Visa/Plus & Mastercard/Cirrus | Global interbank networks (fees depend on card/bank) | Bank branches, airports, travel hubs | International access |
| Your Bank’s Own Network | Usually fee-free for customers | Branches, vestibules, drive-thru lanes | Deposits, cardless features, reliability |
Looking for the biggest daily cash limits? Check our ATM withdrawal limits by bank.
Find ATMs by Bank
Tip: Need more than your daily limit? See how to request a temporary ATM limit increase.
Popular Cities for ATM Access
- Atlanta
- Chicago
- Dallas
- Houston
- Las Vegas
- Los Angeles
- Miami
- New York City
- Orlando
- Philadelphia
- Phoenix
- San Antonio
- San Diego
- San Jose
ATM Features You Can Use Today
- Cardless withdrawals: Start a QR or token session in your bank app or use Apple/Google Pay at supported ATMs. See Cardless ATMs Near Me.
- Contactless tap: Many machines accept NFC taps to begin a secure session—faster and reduces skimming risk. Learn more in Contactless ATMs.
- Cash & check deposits: Use your bank’s deposit-enabled machines; filter for “Deposits accepted.”
- Drive-thru & 24/7 vestibules: Convenient after hours—bring your debit card or set up your wallet for cardless access.
How to Avoid ATM Fees
Fees come from two places: your bank (out-of-network fee) and the ATM operator (surcharge). You can often dodge both:
- Stick to your bank’s ATMs or partner networks (Allpoint/MoneyPass).
- Always read the on-screen surcharge prompt—tap Cancel if a fee is shown.
- Withdraw a bit more, less often, to reduce per-transaction charges.
- Use store cash-back when convenient (often cheaper than ATM surcharges).
For a deeper walkthrough, see our step-by-step guide: How to Avoid ATM Fees.
Safety Basics at the ATM
- Choose well-lit, busy locations—indoor vestibules are ideal.
- Shield the keypad and keep the card in your hand until you leave.
- Check for loose bezels or overlays before inserting a card.
- Don’t count cash at the machine; stow it and move away first.
- If an error code appears, note the time and code. Start here: Common ATM Error Codes or browse the ATM Error Code Directory.
Technology Shaping ATMs
Modern ATMs support tokenized cardless sessions, contactless taps, deposit automation, and better fraud detection. Expect smarter limits, faster dispute handling, and expanded biometric options over time. For an overview of contactless and cardless trends, see Contactless ATMs and our cardless guide above.
Frequently Asked Questions
How do I find a fee-free ATM near me?
Use your bank’s locator or a surcharge-free network (Allpoint/MoneyPass). If a surcharge prompt appears, cancel and choose another machine.
Can I withdraw cash without my card?
Yes. Many ATMs support cardless sessions via your bank app’s QR code or mobile wallets like Apple Pay and Google Pay.
Which ATMs let me deposit cash?
Typically your bank’s own deposit-enabled machines. Filter for “Deposits accepted” in the locator.
Why do some ATMs charge a surcharge?
The ATM operator may add a fee for out-of-network cards. Pick in-network or surcharge-free ATMs to avoid it.
What are typical ATM withdrawal limits?
Limits vary by bank and account tier. Compare amounts here: ATM Withdrawal Limits by Bank.
How can I raise my ATM withdrawal limit?
Ask your bank for a temporary or permanent increase—especially before travel or large purchases. See our guide to increasing ATM limits.
Are cardless or contactless ATMs safer?
Often yes. Tokenized sessions keep the card number off the reader and can reduce skimming risk.
What should I do if the ATM takes my card or cash?
Note the time, location, and any error code. Contact your bank immediately and follow the dispute steps in our troubleshooting hub.
Can I use an ATM overseas without big fees?
Yes, if your bank reimburses fees or participates in partner networks. Plan ahead and prefer in-network machines abroad.
Do drive-thru ATMs have different limits or fees?
Usually the same as standard machines. Check the fee prompt and your bank’s limits before withdrawing.
Related Guides
Bookmark this page for quick access whenever you need cash. Prefer in-network ATMs, watch for fee prompts, and use cardless/contactless when available to stay safe.