Gone are the days of searching just “drive-thru ATM near me.” You want to know which drive-thru ATMs are open right now, accept deposits, offer 24-hour access, and ideally don’t charge fees. This guide covers exactly that — where to find the most convenient, secure, and reliable drive-thru ATMs near you.
Who Offers the Best Drive-Thru ATMs Near Me?
Most major banks and credit unions maintain drive-thru ATMs at select branches, but availability varies by network. Here are some top options in 2025:
- Chase: Offers hundreds of drive-thru and deposit-enabled ATMs nationwide, most open 24 hours.
- PNC Bank: Known for extended-hour drive-up machines with cash and check deposit capability.
- Bank of America: Many drive-thru ATMs include envelope-free deposits and touchless card access.
- Credit Unions: Local institutions often share drive-up ATMs through networks like Allpoint® or MoneyPass®, letting members withdraw cash without fees.
Which Drive-Thru ATMs Are Open 24 Hours?
If you’re asking, “Where’s a 24-hour drive-thru ATM near me that’s open right now?” your best bet is to use your bank’s locator app or Google Maps and filter for “Open Now.” Banks like Chase, Wells Fargo, and Navy Federal typically offer 24/7 drive-thru access in urban areas and major suburbs.
Do Drive-Thru ATMs Take Deposits?
Yes, but not all do. Deposit-enabled drive-thru ATMs are usually located at full-service branches. Chase, Bank of America, and PNC are leading banks that let you deposit both cash and checks through drive-up machines. Smaller community banks may only allow withdrawals, so it’s worth checking your bank’s mobile locator first.
How to Find the Nearest Drive-Thru ATM
To quickly find a drive-thru ATM near you that fits your needs:
- Open your bank’s mobile app and enable location access.
- Search for “drive-thru” or “drive-up ATM.”
- Use Google Maps voice search: say “Hey Google, where’s the closest drive-thru ATM that’s open now?”
- Check if the location supports deposits or is surcharge-free through Allpoint® or MoneyPass® networks.
What to Expect at Modern Drive-Thru ATMs
- Contactless Access: Many newer ATMs accept tap-to-pay cards or mobile wallets like Apple Pay and Google Wallet.
- Deposit Imaging: See check images on-screen before confirming your deposit.
- Voice Guidance: Drive-up ATMs often include audio prompts for accessible banking.
- Fee Transparency: Surcharges display on-screen before processing—so you can cancel without a charge.
Safe Banking Tips at Drive-Thru ATMs
- Use ATMs in well-lit, high-traffic areas—avoid isolated locations after dark.
- Keep your engine running and doors locked while withdrawing.
- Cover your PIN and inspect the slot for tampering.
- If anything feels off, leave and report it to your bank immediately.
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Conclusion
Instead of searching simply “drive-thru ATM near me,” ask what you really need: Who has the nearest drive-thru ATM that’s open now, takes deposits, and doesn’t charge fees? That’s how people search today — and how you’ll find the most convenient, modern ATMs near you every time.
Updated October 2025. Information may vary by location and bank.