Looking for an ATM near you that is open now, secure, and fee-free? This guide helps you instantly locate nearby 24/7 ATMs, fee-free networks, cardless and contactless machines, plus small-bill dispensing ATMs when available. Use the live map and search tools below to find the closest ATM and avoid unnecessary charges.
This page helps you:
- Find nearby ATMs based on your location, ZIP code, or city
- Locate fee-free ATM networks like Allpoint and MoneyPass
- Use cardless and contactless withdrawals with Apple Pay, Google Pay, or your bank app
- Identify ATMs with higher withdrawal limits or cash deposit capability
- Access ATMs safely and avoid common surcharge fees
Scroll down for our interactive map, search tool, bank locator, major city lists, money-saving tips, safety advice, and a complete FAQ section that answers the most common ATM questions.
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 to Know
Many banks and credit unions partner with national ATM networks to give you free access at thousands of locations. Here is how they compare:
| Network | Fee Policy | Common Locations | Ideal For |
|---|---|---|---|
| Allpoint | Free for partner banks and fintechs | CVS, Walgreens, Target, Circle K | Retail convenience |
| MoneyPass | Fee-free at participating banks and credit unions | Community banks, credit unions | Regional access |
| CO-OP Network | No fees for credit union members | Credit union branches | Credit union users |
| Visa Plus / Mastercard Cirrus | Standard interbank fees apply | Airports, major banks | International travel |
| Your Bank’s ATMs | Usually 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 and check deposits: Filter your bank’s map for “Deposits accepted.”
- Drive-thru and 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 the transaction if a surcharge screen appears before withdrawal.
- Request cash-back at grocery stores to skip ATM fees entirely.
- Withdraw more, less often, to minimize repeated charges.
ATM Safety Tips
- Choose ATMs in bright, busy areas or inside secure bank vestibules with camera coverage.
- Shield the keypad while entering your PIN, even at indoor machines.
- Check for loose or unusual card reader parts and gently tug to confirm nothing is attached.
- Keep your cash out of sight before leaving the ATM area.
- Use cardless or contactless withdrawals when possible — tokenized one-time codes reduce skimming risks.
- If an error occurs or a card is swallowed, see our ATM Error Code Directory.
Frequently Asked Questions
Where can I find a free ATM near me?
Check your bank’s ATM locator or use surcharge-free networks like Allpoint, MoneyPass, or CO-OP. These ATMs are usually free of additional withdrawal surcharges for eligible cards.
Can I use Apple Pay or Google Pay at ATMs?
Yes, many major banks now support NFC-enabled ATMs that work with Apple Pay and Google Pay. You typically start the withdrawal in your mobile banking app or wallet and then tap your phone on the ATM contactless symbol to complete the transaction.
Do gas stations have ATMs with cash?
Most large gas station brands such as Speedway, BP, Shell, and 7-Eleven have ATMs that dispense cash. However, fees and cash availability can vary by location, so it is a good idea to check nearby ATMs on a map or in your bank app before driving there.
How much can I withdraw per day?
Daily ATM withdrawal limits usually range from about 300 to 1,000 dollars, depending on your bank, account type, and customer relationship. Some banks allow temporary or permanent limit increases if you contact customer service in advance.
Can I deposit cash at any ATM?
No. You can only deposit cash at ATMs that are enabled for deposits and belong to your own bank or financial institution. In your bank ATM locator, filter for deposit-enabled machines or ATMs that specifically mention cash deposits.
Are cardless ATMs safer?
Cardless ATMs can be safer because they use tokenized sessions or one-time codes instead of reading data from a physical card. This reduces the risk of card skimming or stolen magnetic stripe data. You should still follow normal safety steps such as shielding your PIN and using well-lit locations.
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. This guide is updated regularly for accuracy and new features.