Speedway is one of the most recognizable gas station brands in the United States, with thousands of locations offering fuel, snacks, and yes—ATM access. But what kind of ATMs does Speedway use? Are they surcharge-free? And how can you use them safely?
In this guide, we’ll break down everything you need to know about ATMs at Speedway, including providers, fees, and safety tips for your next stop.
What ATM Does Speedway Have?
Most Speedway gas stations have at least one ATM on-site. However, the type of ATM can vary depending on location and the ATM operator. Here are the most common types you’ll find:
Cardtronics ATMs
Many Speedway locations feature Cardtronics ATMs. Cardtronics is a major global provider of ATMs and operates the Allpoint ATM network, which may allow surcharge-free access if your bank is a participant.
Branded Bank ATMs
Some Speedway stores have ATMs from national or regional banks such as:
These may be fee-free if you’re a customer of the bank listed.
Independent/Generic ATMs
Other Speedway locations use third-party, independently operated ATMs. These often charge a surcharge fee for withdrawals, which may be stacked with an out-of-network bank fee.
Need help avoiding these charges? Check out our complete guide to avoiding ATM fees.
How to Use an ATM at Speedway
Using an ATM at Speedway is just like using one at your local bank. Here’s a quick step-by-step:
- Insert Your Card
Insert your debit or credit card into the machine. For contactless options, tap if supported. - Enter Your PIN
Shield the keypad with your hand to protect against card skimming or shoulder-surfing. - Choose a Transaction
Select from options like Withdraw, Balance Inquiry, or Transfer. - Complete the Transaction
Follow the on-screen instructions. Be sure to collect your cash, card, and receipt before walking away.
Safety Tips for Using ATMs at Speedway
While Speedway locations are generally safe and well-lit, it’s smart to follow best practices—especially if you’re stopping late at night or in an unfamiliar area:
- Be Aware of Your Surroundings: Don’t use the ATM if someone is loitering nearby or watching your screen.
- Inspect the Machine: Look for signs of skimming devices or tampered card slots.
- Use in Daylight: When possible, visit Speedway ATMs during daytime hours.
- Avoid Card Retention Issues: Don’t walk away if your card is stuck—report the issue immediately.
If you’ve experienced an issue like a retained card or failed transaction, here’s what to do: What to Do if an ATM Takes Your Card or Money
Final Thoughts: Is a Speedway ATM Right for You?
Speedway ATMs are a convenient option for travelers and local residents alike. Whether you’re using a Cardtronics machine that supports surcharge-free Allpoint access, or a branded bank ATM, you can get cash quickly—but be mindful of potential fees.
Before heading out, use our ATM locator guide to find a nearby Speedway ATM or another fee-free option near you.
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ATM Fees When Using Other Banks