Wondering if it costs money to use a Sheetz ATM? The short answer: most Sheetz ATMs are surcharge-free for withdrawals — but your own bank may still charge a small out-of-network fee. This guide explains how Sheetz handles ATM fees, which banks and credit unions offer free access, and how to avoid paying anything extra when you need cash fast.
Are Sheetz ATMs Free to Use?
Sheetz partners with major financial networks, including PNC Bank and several credit union cooperatives, to make its in-store ATMs surcharge-free at most locations. This means that Sheetz itself does not charge a withdrawal fee — you can take out cash without the machine owner adding an extra charge.
However, your bank may still treat Sheetz ATMs as “out-of-network.” That’s when you might see a small fee (typically $2–$3) on your statement. To confirm whether your card qualifies for free access, check your bank’s fee-free ATM network options before making a withdrawal.
Sheetz and PNC Partnership
Many Sheetz stores feature PNC-operated ATMs. Since 2013, PNC and Sheetz have collaborated to give users across multiple states — including Pennsylvania, Ohio, Virginia, Maryland, and West Virginia — surcharge-free access to thousands of machines. If you’re a PNC customer, you can withdraw, check balances, or transfer funds without incurring any ATM fee at these locations.
For comparison, see how PNC’s withdrawal limits stack up in our PNC ATM Withdrawal Limit guide.
Credit Unions and CO-OP Network Access
Even if you’re not a PNC customer, you may still have free access through the CO-OP or Allpoint networks. Many credit unions — including VACU, Navy Federal, and others — list Sheetz ATMs among their surcharge-free partners. These networks allow members to access cash at thousands of participating convenience stores and retailers without paying extra.
If you’re unsure whether your credit union participates, check their mobile app or read our Navy Federal ATM Compatibility guide for details on shared network access.
When You Might Still See a Fee
Although Sheetz strives to keep ATMs fee-free, certain circumstances may still result in a charge:
- Your bank’s own policy — even at a surcharge-free ATM, your financial institution might impose a “non-network” fee.
- Independent ATMs — some older or third-party machines inside Sheetz locations may not participate in the fee-free network.
- Foreign or prepaid cards — international or reloadable prepaid cards may have built-in withdrawal fees from their card issuer.
To avoid confusion, pay attention to the on-screen disclosure before confirming your withdrawal — ATMs are required to display any surcharge amount before the transaction is finalized.
Understanding “Surcharge-Free” vs. “Fee-Free”
The two terms aren’t always the same:
- Surcharge-Free: The ATM operator (in this case, Sheetz or PNC) doesn’t charge you for using the machine.
- Fee-Free: Both the ATM and your own bank charge nothing — this happens only if your card belongs to the same network.
If your bank frequently charges you for out-of-network withdrawals, check our comparison of banks with generous ATM policies to find accounts that reimburse fees automatically.
Tips to Avoid Paying ATM Fees at Sheetz
- Use network-linked cards: Look for Allpoint, CO-OP, or PNC logos on your debit card.
- Withdraw at partner locations: Sheetz stores with PNC branding are always surcharge-free.
- Choose cash-back instead: During a debit purchase, request cash back at the register — it’s instant and fee-free.
- Check your app first: Most banking apps include an “ATM locator” that flags partner machines near your location.
- Plan larger withdrawals: Fewer transactions mean fewer potential fees; see our ATM withdrawal limit comparison for common caps.
Where to Find Sheetz ATMs
Sheetz operates more than 700 stores across six states, nearly all equipped with 24-hour indoor or outdoor ATMs. You can locate the nearest store or ATM using the Sheetz app or an online map. If you prefer a universal view, try the interactive ATM locator on our homepage to filter by network and location.
Key Takeaway
Sheetz ATMs are generally surcharge-free, especially those managed by PNC Bank or linked through national credit-union networks. However, your own bank’s out-of-network policy may still apply. Always check your card’s network membership and look for “no surcharge” signage on the screen before confirming your withdrawal. With the right card, Sheetz can be one of the most reliable and cost-effective places to grab cash on the road.
For more tips on managing ATM fees and limits, explore related guides: