Updated November 2025 — Looking for an ATM near you that’s open, secure, and won’t charge hidden fees? This guide shows you how to find nearby fee-free, cardless, contactless, and 24-hour ATMs in seconds. Use our live map and smart search below, then browse network comparisons, money-saving tips, and safety advice to make every transaction easy and fee-free.
Interactive ATM Map
Use the map above to locate ATMs near your current location. Zoom in to view directions, open hours, and fee status. If a surcharge prompt appears on screen, tap Cancel—another fee-free ATM is usually close by.
Search by Address, ZIP Code, or City
Quick Tips to Save Money & Time
- Stick with in-network ATMs like Allpoint or MoneyPass to avoid surcharges.
- Make fewer, larger withdrawals to reduce per-transaction costs.
- Use cardless or contactless ATMs for faster, safer access.
- Traveling? Read our Surcharge-Free Travel Guide before your next trip.
- Need small bills? Check which ATMs dispense $5 bills.
Top ATM Networks for 2025
Many banks and credit unions partner with national ATM networks to give you free access at thousands of locations. Here’s how they compare:
| Network | Fee Policy | Common Locations | Ideal For |
|---|---|---|---|
| Allpoint | Free for partner banks & fintechs | CVS, Walgreens, Target, Circle K | Retail convenience |
| MoneyPass | Fee-free at participating banks/credit unions | Community banks, credit unions | Regional access |
| CO-OP Network | No fees for CU members | Credit union branches | Credit union users |
| Visa Plus / Mastercard Cirrus | Standard interbank fees apply | Airports, major banks | International travel |
| Your Bank’s ATMs | Always free for customers | Branches, vestibules, drive-thrus | Deposits, reliability |
Need higher limits? Compare banks in our ATM Withdrawal Limits Chart.
Find ATMs by Bank
Popular Cities for 24-Hour ATM Access
Modern ATM Features to Try
- Cardless withdrawals: Start via your bank app—see Cardless ATMs Near Me.
- Contactless tap: Use Apple Pay or Google Pay (Contactless ATMs).
- Cash & check deposits: Filter your bank’s map for “Deposits accepted.”
- Drive-thru & 24/7 vestibules: Great for late-night access or poor weather.
How to Avoid ATM Fees
- Use partner networks like Allpoint, MoneyPass, or CO-OP.
- Cancel if a surcharge screen appears before withdrawal.
- Request cash-back at grocery stores to skip ATM fees entirely.
- Withdraw more, less often, to minimize charges.
ATM Safety Tips (2025 Update)
- Use ATMs in bright, busy areas or inside bank lobbies.
- Shield the keypad from view when entering your PIN.
- Inspect for loose or fake card reader parts.
- Keep your cash out of sight and move away promptly.
- For errors or swallowed cards, visit our ATM Error Code Directory.
Frequently Asked Questions
Where can I find a free ATM near me?
Check your bank’s app or use surcharge-free networks like Allpoint, MoneyPass, or CO-OP. These ATMs rarely charge withdrawal fees.
Can I use Apple Pay or Google Pay at ATMs?
Yes, many banks now support tap-to-withdraw via mobile wallets. Start a session in your app and tap your phone to the reader.
Do gas stations have ATMs with cash?
Yes—Speedway, BP, and 7-Eleven usually have ATMs that dispense cash. Use the map above to verify cash availability before driving there.
How much can I withdraw per day?
Typical daily limits range from $300–$1,000. See our comparison chart for each bank.
Can I deposit cash at any ATM?
No, deposits work only at your own bank’s machines that are “deposit-enabled.”
Are cardless ATMs safer?
Usually yes. Cardless or contactless ATMs use tokenized sessions that reduce skimming risk.
People Also Search For
- Allpoint ATM Near Me
- MoneyPass ATM Near Me
- Free ATMs Near Me
- Apple Pay ATM Near Me
- Gas Stations with ATMs Near Me
Bookmark this page to quickly find fee-free, cardless, and 24-hour ATMs wherever you go. Updated regularly for accuracy and new features.