Quick answer: MoneyPass is a surcharge-free ATM network with approximately 40,000 ATMs across the United States. Many banks, credit unions, prepaid cards, payroll cards, and fintech apps use MoneyPass to provide fee-free cash withdrawals. MoneyPass ATMs are commonly found inside Walmart, CVS, Walgreens, 7-Eleven, Kroger, and other retail locations.
MoneyPass is one of the largest free ATM networks in the United States for participating banks, prepaid cards, payroll cards, and fintech apps.
If your bank, card, or financial app participates in the MoneyPass network, you can usually withdraw cash at participating MoneyPass ATMs without paying ATM operator surcharge fees.
What Is a MoneyPass ATM?
A MoneyPass ATM is part of a surcharge-free ATM network used by participating banks, credit unions, prepaid cards, payroll cards, and financial apps. Instead of building their own ATM systems, many financial companies use MoneyPass to give customers access to cash without extra ATM surcharges.
- Surcharge-free ATM withdrawals for eligible accounts
- Approximately 40,000 ATM locations
- Retail, pharmacy, grocery, and convenience store access
- Useful for online banks and prepaid debit cards
- Available through many bank and card apps
Banks, Cards & Apps That Use MoneyPass ATMs
Many banks, credit unions, prepaid cards, payroll cards, and fintech apps use MoneyPass for surcharge-free ATM access. Eligibility depends on your specific card program, account agreement, and whether the ATM displays MoneyPass access for your card.
| Bank, Card, or App | Uses MoneyPass? | Notes |
|---|---|---|
| USAA | Yes | Part of USAA’s preferred surcharge-free ATM access. See USAA ATM near me. |
| U.S. Bank | Use locator to confirm | Availability can vary by ATM and account. Confirm in the U.S. Bank ATM locator or mobile app. |
| Capital One | Often supported | Capital One users should verify in the Capital One ATM locator before withdrawing. |
| Chime | Yes | 50,000+ fee-free ATMs via Allpoint + MoneyPass. See Chime ATM near me. |
| Venmo Debit Card | Yes | MoneyPass ATMs are the best option for lower-cost Venmo ATM withdrawals. See Venmo ATM near me. |
| PayPal Debit Mastercard | Yes | MoneyPass ATMs allow fee-free PayPal cash withdrawals. See PayPal ATM near me. |
| Varo | Yes | Typically fee-free at eligible MoneyPass ATMs. |
| Current | Yes | Commonly uses MoneyPass for fee-free ATM access. |
| GO2bank | Yes | Uses MoneyPass for eligible fee-free withdrawals. |
| Netspend | Varies | Depends on card program, plan, and fee schedule. |
| Walmart MoneyCard | Yes | MoneyPass access is commonly used for ATM withdrawals; limits and fees depend on account terms. |
| H&R Block Emerald Card | Often supported | Check the card program terms and locator before using an ATM. |
| Payroll cards | Often | Many payroll card programs use MoneyPass, but the card packaging or app should confirm. |
| Credit unions | Many | Many credit unions participate in MoneyPass; check your credit union’s ATM locator. |
The safest way to confirm fee-free access is to use your bank, card, or app locator before withdrawing. If the ATM screen shows a surcharge, cancel the transaction and search for another MoneyPass location.
Where Are MoneyPass ATMs Located?
MoneyPass ATMs are commonly located inside retail stores, pharmacies, grocery stores, gas stations, and convenience stores.
- Walmart
- CVS
- Walgreens
- 7-Eleven
- Kroger and grocery affiliates
- Circle K
- Speedway
- Credit unions and community banks
- Retail pharmacies and convenience stores
Many MoneyPass ATMs are available outside traditional bank branches, which makes them useful for online banking customers, prepaid card users, and people who need surcharge-free cash access while traveling.
Map not loading? Open MoneyPass ATM map in Google Maps.
How to Find a MoneyPass ATM Near You
The easiest way to find a nearby MoneyPass ATM is through your bank, card, or app locator. That matters because not every card gets fee-free access at every ATM that appears in a general map search.
- Use your banking app or card app ATM finder.
- Search for MoneyPass ATM locations near you.
- Look for the MoneyPass logo on the ATM screen or signage.
- Check nearby pharmacies, grocery stores, and convenience stores.
- Cancel the transaction if the ATM displays an unexpected surcharge.
Many banking apps automatically filter for surcharge-free MoneyPass ATM locations. If your app shows a specific MoneyPass ATM as in-network, that is usually more reliable than a generic map result.
Do MoneyPass ATMs Charge Fees?
MoneyPass ATMs are surcharge-free for participating banks, cards, and eligible accounts. However, fees may still apply if your card does not participate in MoneyPass or if your account terms do not include surcharge-free access.
“Surcharge-free” means the ATM owner does not charge an extra ATM operator fee. However, your bank, prepaid card, or financial app could still charge its own withdrawal or transaction fee depending on your account terms.
- Your bank or app may not participate in MoneyPass.
- Your specific card program may not include fee-free access.
- The ATM may not be part of MoneyPass even if it appears nearby.
- International or out-of-network transactions may cost more.
- Your account may have separate withdrawal or transaction fees.
Related guides: ATM fees explained, lowest ATM fees, and surcharge-free ATM near me.
MoneyPass ATM Withdrawal Limits
MoneyPass itself does not set one universal ATM withdrawal limit for every cardholder. Your withdrawal limit depends on your bank, card program, account type, and the ATM owner’s machine settings.
- Your bank or financial app sets your daily withdrawal limit.
- The ATM owner may set a lower per-transaction limit.
- Prepaid cards and payroll cards may have separate limits.
- Fraud controls can reduce access temporarily.
- Some ATMs may run out of cash or restrict large withdrawals.
Most ATM withdrawal limits range from $300–$1,000 per day, but prepaid cards and fintech apps may be lower. Learn more in ATM withdrawal limits explained, temporary ATM withdrawal limit increases, and daily ATM withdrawal limits by bank.
Can You Deposit Cash at MoneyPass ATMs?
Some MoneyPass ATMs may support deposits, but most retail MoneyPass ATMs are withdrawal-focused. Whether you can deposit cash depends on your bank, card, and the specific ATM location.
Do not assume a MoneyPass ATM can accept cash deposits just because it allows withdrawals. Many fintech apps and prepaid cards use retail cash reload locations instead of ATM deposits.
Related guides: ATM cash deposit limits and how long ATM deposits take.
MoneyPass vs Allpoint
MoneyPass and Allpoint are two of the largest surcharge-free ATM networks in the United States. Allpoint has a larger retail footprint, while MoneyPass is heavily used by banks, credit unions, prepaid cards, payroll cards, and fintech apps.
The better network depends on your bank or card program. Some accounts support MoneyPass, some support Allpoint, and some support both.
See our full comparison guide: Allpoint vs MoneyPass.
Can You Use MoneyPass ATMs Internationally?
MoneyPass primarily operates in the United States. International ATM access depends on your bank, card network, and any separate partner network agreements.
If you use your card internationally, you may pay foreign ATM fees, operator fees, and currency conversion charges even if your card normally uses MoneyPass in the U.S.
See international ATM withdrawal limits.
Common MoneyPass ATM Problems
| Problem | Possible Cause |
|---|---|
| ATM charged a fee | Your card may not be eligible, the ATM may not be MoneyPass, or the transaction was out-of-network. |
| Withdrawal declined | You may have reached your withdrawal limit, triggered fraud protection, or have insufficient available balance. |
| Cannot process transaction | The ATM network may be down, the machine may be offline, or your card issuer may be blocking the transaction. |
| ATM retained card | The machine may have triggered a security hold or malfunctioned. |
| No cash dispensed | The ATM may have malfunctioned, run out of cash, or posted a temporary authorization. |
Related troubleshooting guides:
- ATM Declined Card
- Why ATM Says Cannot Process Transaction
- ATM Charged But No Cash Dispensed
- ATM Ate My Card
Are MoneyPass ATMs Safe?
MoneyPass ATMs are generally safe when used at trusted retail locations, banks, credit unions, and well-maintained ATM sites. You should still check the machine before inserting your card.
- Use well-lit ATM locations.
- Avoid suspicious standalone machines.
- Check for loose or damaged card readers.
- Cover your PIN during withdrawals.
- Monitor your account after using the ATM.
- Enable card and banking alerts.
Learn more in ATM safety tips and how to spot unsafe ATMs.
Related ATM Guides
- Allpoint ATM Near Me
- Surcharge-Free ATM Near Me
- Allpoint vs MoneyPass
- USAA ATM Near Me
- Venmo ATM Near Me
- PayPal ATM Near Me
- ATM Fees Explained
How This Guide Is Maintained
This guide is reviewed and updated to reflect changes in MoneyPass ATM access, surcharge-free ATM policies, participating banks, prepaid card programs, payroll card access, and ATM withdrawal rules. ATM availability and fees may vary by bank, card, and location. Last reviewed: May 2026.
Bottom Line
MoneyPass is one of the largest surcharge-free ATM networks in the United States, with approximately 40,000 ATMs used by banks, credit unions, prepaid cards, payroll cards, and fintech apps. If your card participates in MoneyPass, you can usually withdraw cash without paying ATM operator surcharge fees at participating locations.
Frequently Asked Questions
Are MoneyPass ATMs really fee-free?
Yes, for participating banks, cards, and eligible accounts. If your account includes MoneyPass access, you can usually withdraw cash without paying an ATM operator surcharge at participating MoneyPass ATMs.
What banks use MoneyPass ATMs?
MoneyPass is used by many banks, credit unions, prepaid cards, payroll cards, and fintech apps. Examples include USAA, Venmo Debit Card, PayPal Debit Mastercard, Varo, Current, GO2bank, Walmart MoneyCard, and many credit unions. Eligibility depends on your card or account terms.
Where can I find MoneyPass ATMs?
MoneyPass ATMs are commonly located inside Walmart, CVS, Walgreens, 7-Eleven, Kroger, Circle K, credit unions, community banks, and other retail locations.
Do MoneyPass ATMs allow deposits?
Some MoneyPass ATMs may support deposits, but most retail MoneyPass ATMs are withdrawal-focused. Deposit availability depends on your bank, card, and the specific ATM location.
What is the withdrawal limit at MoneyPass ATMs?
MoneyPass does not set one universal withdrawal limit. Your bank, card program, account type, and the ATM owner determine how much you can withdraw.
Is MoneyPass better than Allpoint?
Neither network is automatically better for everyone. MoneyPass and Allpoint are both large surcharge-free ATM networks, and the better option depends on which network your bank, card, or app supports.