Looking for an ATM near you that is open now, secure, and fee-free? This guide helps you instantly locate nearby 24/7 ATMs, surcharge-free networks, and cardless or contactless machines, plus tips for avoiding unnecessary fees.
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 deposit capability
- Access ATMs safely and avoid common surcharge fees
Scroll down for our interactive map, search tool, fee-saving tips, ATM network breakdowns, safety guidance, and a complete FAQ section.
Interactive ATM Map
Use the map above to locate ATMs near your current location. Zoom in to view directions, open hours, and nearby options. If a surcharge prompt appears on screen, you can cancel and look for a fee-free ATM close by.
Search by Address, ZIP Code, or City
Quick Tips to Save Money & Time
- Use in-network ATMs whenever possible to avoid surcharges.
- Make fewer, larger withdrawals to reduce repeated transaction fees.
- Try cardless withdrawals for faster and safer access.
- Choose bank-owned machines when you need deposits or higher reliability.
- Check your bank app before withdrawing to confirm fee status.
Top ATM Networks to Know
Many banks and credit unions partner with national ATM networks to provide fee-free access at thousands of locations. Here is a quick comparison:
| Network | Fee Policy | Common Locations | Ideal For |
|---|---|---|---|
| Allpoint | Free for many partner banks and fintechs | Retail stores and pharmacies | Everyday convenience |
| MoneyPass | Fee-free at participating institutions | Community banks and credit unions | Regional access |
| CO-OP Network | No fees for many credit union members | Credit union branches | Shared branching users |
| Visa Plus / Mastercard Cirrus | Standard interbank fees may apply | Airports and major cities | International travel |
| Your Bank’s ATMs | Usually free for customers | Branches and vestibules | Deposits and reliability |
For more details on surcharge rules and fee-free options, visit our main hub: ATM Fees by Bank.
How to Avoid ATM Fees
- Stick with your bank’s ATMs or approved partner networks.
- Cancel the transaction if a surcharge warning appears before withdrawal.
- Withdraw larger amounts less often to reduce repeated fees.
- Consider cash-back at grocery stores as an ATM alternative.
ATM Withdrawal Limits and High-Limit Access
Daily withdrawal limits vary by bank, account type, and customer history. Some institutions allow temporary limit increases if requested in advance.
Compare banks and limits here: ATM Withdrawal Limits Hub.
Find ATMs by Bank or Location
If you need an ATM for a specific bank or city, browse our directories below:
ATM Safety Tips
- Choose ATMs in bright, busy areas or inside secure bank vestibules.
- Shield the keypad while entering your PIN.
- Inspect card readers for unusual attachments before inserting your card.
- Keep cash out of sight before leaving the ATM area.
- If an error occurs, visit our ATM Error Code Directory.
Frequently Asked Questions
Where can I find a free ATM near me?
Many banks offer surcharge-free withdrawals through partner networks or in-network ATMs. Always check your bank’s ATM locator for fee-free options.
Can I withdraw cash without a physical card?
Some banks support cardless withdrawals using mobile apps or digital wallet-enabled ATMs. Availability depends on your bank and location.
How much can I withdraw per day?
Daily ATM limits commonly range from a few hundred dollars to over one thousand, depending on your bank and account type.
Are cardless ATMs safer?
Cardless withdrawals can reduce skimming risk because they rely on tokenized sessions or one-time codes instead of reading card data directly.
Bookmark this page to quickly find fee-free, cardless, and 24-hour ATMs wherever you go. This guide is reviewed regularly for accuracy and new ATM features.