Need smaller bills for parking meters, vending machines, or tipping? While most ATMs only give $20s, a growing number now let you withdraw $5 bills on demand. This updated guide explains where to find them, how to check your bank’s ATM options, and which networks currently support $5 denominations.
Why $5 Bill ATMs Are in Demand
Consumers increasingly prefer flexibility over large cash withdrawals. Whether you’re splitting costs with friends, budgeting weekly, or paying local vendors, smaller denominations offer more control — and banks are gradually upgrading ATMs to match that demand.
- Budgeting power: Withdraw only what you need without overspending.
- Local use: Ideal for cafes, parking, and small business payments.
- Less waste: Avoid carrying excess cash or needing change.
Learn how banks are responding to these habits in our related post on consumer demand for smaller bill withdrawals.
How to Get $5 Bills from an ATM
- Use the “Other Amount” option: Enter “5” or “15” to test if smaller denominations are available at your bank’s ATMs.
- Try advanced ATMs: Chase, PNC, and Wells Fargo “Smart” ATMs offer denomination choice at select locations.
- Check via mobile app: Some apps, like Bank of America or US Bank, show ATMs supporting multiple bill options.
- Network filters: Allpoint and MoneyPass apps occasionally allow denomination search under “ATM features.”
Banks and Networks That Offer $5 Withdrawals
While availability varies, these major banks and networks have confirmed or piloted ATMs capable of dispensing $5 bills:
| Bank / Network | Availability | Notes |
|---|---|---|
| Chase | Yes (Select branches) | Custom withdrawal feature includes $5 option. |
| Wells Fargo | Yes | Smart ATMs support mixed bills like $5 + $10. |
| Bank of America | Partial | Available in select metro and high-traffic branches. |
| PNC Bank | Yes | “Customize Bills” option on-screen for $5 access. |
| US Bank | Limited | Multi-denomination machines include $5 bills in urban markets. |
| Allpoint | Varies | Some Allpoint ATMs support $5 increments—check network filters. |
How to Locate a $5-Dispensing ATM
Finding an ATM that dispenses $5 bills requires a bit of searching, but these methods consistently work:
- Use your bank’s ATM locator — Look for filters like “Choose Denominations” or “Smart ATM.”
- Try in-branch ATMs — Machines inside branches often have full denomination access.
- Test nearby machines — Select “Other Amount” and enter “5.” If it processes, that ATM supports $5 bills.
- Ask customer service — Call your bank and ask for locations with multi-denomination ATMs.
Avoiding Fees on $5 Withdrawals
Because $5 withdrawals are smaller transactions, fees can easily outweigh convenience. Use these tips to keep your withdrawals cost-free:
- Use surcharge-free networks like Allpoint or MoneyPass.
- Check if your bank reimburses ATM fees (Ally, Schwab, and SoFi do).
- Withdraw a combination like $15 or $25 once instead of multiple small transactions.
Quick Tip: On most ATMs, selecting “Other Amount” and entering a number ending in 5 automatically triggers smaller-bill dispensing.
FAQs About $5 Bill Withdrawals
Can every ATM give $5 bills?
No — only select Smart or multi-denomination ATMs have the capability. Always test the “Other Amount” function.
Which banks most often support $5 withdrawals?
Chase, Wells Fargo, and PNC lead in multi-denomination ATMs. Bank of America and US Bank offer partial coverage.
Is there a fee for taking out $5?
Yes, if you use an out-of-network ATM. Stick to fee-free networks or use banks that offer universal reimbursement.
Why would I need $5 bills?
They’re ideal for budgeting, splitting small costs, and supporting local businesses that rely on cash.
Key Takeaway
Finding ATMs that dispense $5 bills is easier than ever. Focus on your bank’s “Smart” or denomination-choice ATMs, use network filters, and stick to surcharge-free locations for smaller, more flexible withdrawals.
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Updated October 2025