Trying to find an Allpoint ATM near you so you can withdraw cash without paying annoying surcharges? You’re in the right place. This guide explains exactly what Allpoint is, how to check if your card qualifies for surcharge-free withdrawals, how to find nearby machines, and what to know about limits, fees, and deposits.
If you just want fast cash with no extra charges, you can also explore other options like nationwide fee-free ATMs and bank-branded networks.
Live Map: Find Allpoint ATMs Near You
Use the interactive map below to search for ATMs near your current location. Zoom in, pan around, and tap on each ATM to see details like address and hours.
Tip: On your phone, open the map in the Google Maps app for turn-by-turn directions.
What Is Allpoint?
Allpoint is a large surcharge-free ATM network, with more than 55,000 ATMs located in:
- Major grocery stores and pharmacies
- Big retail chains and convenience stores
- Some gas stations and shopping centers
If your bank or card issuer participates in the Allpoint network, you can usually withdraw cash at these machines without paying the ATM owner’s surcharge. Some banks also waive their own out-of-network ATM fees when you use Allpoint.
Common Allpoint locations include national chains like pharmacies, discount retailers, and supermarkets. Look for the green Allpoint logo on or near the ATM.
How Allpoint Surcharge-Free Access Works
Allpoint doesn’t issue your card — it partners with banks, credit unions, and fintechs. If your card is part of the network:
- You insert or tap your card at an Allpoint ATM.
- The ATM identifies your bank as a participating institution.
- The usual surcharge screen should show $0.00 (or a note that your bank covers the fee).
- Your transaction completes like a normal withdrawal.
If you see a surcharge listed and your bank hasn’t said they’ll reimburse it, you can cancel the transaction before confirming to avoid the fee.
How to Check If Your Bank Uses Allpoint
Before relying on Allpoint, verify that your card is eligible. Here’s how:
- Check your bank or credit union’s website.
Look for pages that mention “surcharge-free ATM network,” “Allpoint,” or “partner ATMs.” - Use your bank’s mobile app.
Many banking apps have a locator that clearly labels Allpoint or other partner ATMs. - Look at your debit card or welcome materials.
Some issuers print the Allpoint logo on the card or mention it in your account guide. - Contact customer service.
Ask, “Does my debit card have surcharge-free access to Allpoint ATMs?” and confirm any limits or exceptions.
If your bank doesn’t participate, you can still find fee-free ATMs through other networks or by using your bank’s own branded machines.
Where You’ll Commonly Find Allpoint ATMs
Allpoint focuses on putting ATMs in everyday locations where you’re already shopping. Typical spots include:
- Pharmacies and drugstores
- Discount retailers and dollar stores
- Grocery chains
- Convenience stores and some gas stations
- Big shopping centers and malls
To confirm that an ATM is part of the network, look for:
- The Allpoint logo on the machine or nearby signage
- Confirmation inside your bank’s locator (it should list the ATM as surcharge-free)
- A surcharge prompt that shows $0.00 or indicates your bank will waive the fee before you accept the transaction
How to Find an Allpoint ATM Near Me
Here are the most reliable ways to find nearby Allpoint ATMs:
1. Use the Allpoint ATM Locator
- Visit the official Allpoint website and open the ATM locator.
- Enter your city, ZIP code, or allow location access.
- Filter by surcharge-free and, if available, by services like cash withdrawals or balance inquiries.
2. Use Your Bank or Card Issuer’s App
- Open your bank’s mobile app and look for “ATM / Branch Locator.”
- Enable location services and select filters like “surcharge-free” or “Allpoint network.”
- Tap any location for directions, hours, and whether your card qualifies.
3. Use Google Maps
- Search for “Allpoint ATM near me” or “Allpoint ATM + [your city].”
- Tap on individual ATM locations and check photos or reviews for the Allpoint logo.
- Cross-check with your bank’s locator to confirm fees.
4. Look for Allpoint Branding In-Store
- When shopping at major chains, check near the front of the store or customer service desk.
- Look for the Allpoint logo on the ATM wrap, screen, or nearby signage.
Fees and Limits at Allpoint ATMs
Even though Allpoint is marketed as a surcharge-free network, there are still a few rules and edge cases to understand.
Surcharges vs. Bank Fees
- ATM owner surcharge: Typically waived when your bank participates in Allpoint.
- Your bank’s out-of-network fee: Many banks waive this too for Allpoint, but not all do — check your account’s fee schedule.
If the ATM warns you of a surcharge and you weren’t expecting one, you can cancel the transaction before accepting.
Withdrawal Limits
Two limits usually apply:
- Your bank’s daily ATM withdrawal limit – often $300–$1,000 per day, depending on your account.
- The ATM’s own per-transaction limit – some machines cap withdrawals at $200–$400 per transaction.
Need more cash than one machine allows? You may be able to do multiple transactions until you hit your bank’s daily limit, or visit a branch. For a broader look at daily caps and strategies, see your bank’s withdrawal rules or dedicated withdrawal guides on our site.
Can You Deposit at Allpoint ATMs?
Allpoint ATMs are primarily designed for withdrawals and balance inquiries. Most Allpoint machines are withdrawal-only, and many do not support deposits for outside banks.
A few exceptions exist where a bank places an Allpoint-branded ATM at their own location and enables deposits for its own customers. In those cases, the ATM will clearly advertise deposits and your bank’s app will label it as a “deposit-accepting ATM.”
If you specifically need to deposit cash or checks, use your bank’s own ATM locator or check this detailed guide to ATMs that accept deposits so you don’t end up at a withdrawal-only machine.
Allpoint vs. Other Surcharge-Free Networks
Allpoint is one of several large surcharge-free ATM networks in the U.S. and beyond. If your bank isn’t in Allpoint, it may be in a different network.
- Allpoint: Heavy presence in pharmacies, retail stores, and some convenience chains.
- MoneyPass: Widely available at regional banks and credit unions, and some retailers. Learn how it compares in our MoneyPass ATM near me guide.
- Bank-branded ATM networks: Your bank’s own ATMs are often the best way to avoid both surcharges and additional bank fees.
Not sure which network gives you the best deal? Our broader guide to fee-free ATMs walks through how different networks, bank policies, and reimbursement programs work together so you can consistently avoid paying to access your own money.
Using Allpoint with Prepaid & Fintech Cards
Many prepaid debit cards and online-only accounts promote Allpoint access as a perk. If you have a card from a neobank or fintech company, check:
- Your card’s welcome kit or app for an Allpoint logo
- Whether surcharge-free withdrawals are limited to certain regions or monthly caps
- If cash deposits are supported at all (many are withdrawal-only and require retail “reload” services for cash deposits)
Some cards pair Allpoint withdrawals with separate retail reload networks, letting you add cash at participating stores and withdraw it later from Allpoint machines.
Cardless & Contactless Access at Allpoint ATMs
Many Allpoint ATMs are upgrading to support modern access methods like contactless cards and mobile wallets. Features vary by machine, but you may encounter:
- Contactless / NFC readers that let you tap your card or phone instead of inserting it
- Cardless access via your bank’s app, where you generate a code or tap with a mobile wallet
If you’re interested in skipping the plastic entirely, check out our dedicated guide to cardless ATMs near you for banks and networks that fully support withdrawals by phone.
Is Allpoint Safe to Use?
Allpoint ATMs are used by major banks and card issuers, but you should still take basic precautions:
- Use ATMs in well-lit, high-traffic areas whenever possible.
- Cover the keypad when entering your PIN.
- Look for tampering (loose card readers, odd attachments, or damage).
- Take your cash and card before you walk away.
These habits apply to any ATM — bank-branded, Allpoint, or otherwise.
FAQs About Allpoint ATMs
Are all Allpoint withdrawals guaranteed to be fee-free?
They are designed to be surcharge-free for participating banks, but your experience depends on your specific account. Always check your bank’s policy, and read the ATM’s fee prompt before you accept the transaction.
Can I deposit cash at an Allpoint ATM?
Most Allpoint ATMs are withdrawal-only. A small number of bank-owned Allpoint machines may allow deposits for that bank’s customers, but you should confirm in your bank’s locator or app. If you need deposit options, use a machine listed in ATMs that accept deposits.
Do I need a special Allpoint card?
No. Allpoint access is tied to your bank or card issuer, not a separate “Allpoint card.” If your institution participates, your regular debit card will work.
What if the ATM still tries to charge me a fee?
If a surcharge appears on screen and you weren’t expecting it, cancel the transaction before accepting. Then check with your bank — some may reimburse fees even when the ATM shows a surcharge.
What if I can’t find an Allpoint ATM nearby?
Use your bank’s app or our broader fee-free ATM and ATM fee avoidance guides to find other low-cost options, like in-network ATMs or retailers that offer cash back with purchases.
Key Takeaways
- Allpoint ATMs give eligible cardholders surcharge-free cash access at tens of thousands of locations.
- Always verify that your bank participates in the network before assuming withdrawals are fee-free.
- Use the Allpoint locator, your bank’s app, or Google Maps to quickly find “Allpoint ATM near me.”
- Most Allpoint machines are withdrawal-only, so use a deposit-accepting ATM if you need to add funds.
- Combine Allpoint with other fee-free ATM strategies so you almost never pay to access your cash.
This guide is designed as an evergreen resource. Always double-check your own bank’s latest policies, as fees and networks can change over time.