Speedway is one of the most recognizable gas station brands in the United States, with thousands of locations offering fuel, snacks, and ATM access. But what kind of ATMs does Speedway use? Are they surcharge-free? And how can you avoid paying extra fees when you need cash quickly?
Quick answer: Many Speedway ATMs are operated by Cardtronics or partner networks, which may be surcharge-free for Allpoint customers. However, some locations use independent ATMs that can charge operator surcharges plus out-of-network bank fees.
Gas station ATMs are convenient, but they often come with surcharges. For the full explanation of ATM fees and how to avoid them, see: ATM Fees Explained.
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. The type of ATM can vary depending on location and the operator contract. Here are the most common machines you’ll find:
Cardtronics ATMs (Allpoint Access)
Many Speedway locations feature Cardtronics ATMs. Cardtronics operates one of the largest ATM networks in the U.S. and also manages the Allpoint network.
If your bank participates in Allpoint, you may be able to withdraw cash at Speedway surcharge-free.
Branded Bank ATMs
Some Speedway stores host ATMs operated by national or regional banks, such as:
These machines may be fee-free if you’re a customer of that bank, but out-of-network users may still pay a surcharge.
Independent or Generic ATMs
Other Speedway locations use independently operated third-party ATMs. These often charge a surcharge fee, and your own bank may add an additional out-of-network withdrawal fee.
To avoid these stacked charges, see our complete guide to avoiding ATM fees.
Do Speedway ATMs Charge a Fee?
Speedway ATM fees depend on two things:
- The ATM operator surcharge (charged by the machine owner)
- Your bank’s out-of-network fee (charged if the ATM isn’t in your network)
Some Speedway ATMs are surcharge-free through Allpoint or partner banks, while others may cost $3 to $6 per withdrawal once both fees are combined.
How to Use an ATM at Speedway
Using an ATM at Speedway is similar to using one at your local bank. Here’s the basic process:
- Insert Your Card
Insert your debit or credit card into the machine. Some newer ATMs support tap-to-withdraw. - Enter Your PIN
Shield the keypad to protect against card skimming or shoulder-surfing. - Select Your Transaction
Choose Withdraw, Balance Inquiry, or other available services. - Confirm Any Fee Notice
The ATM must display any surcharge before you complete the withdrawal. - Collect Cash and Card
Always take your cash, card, and receipt before leaving.
Safety Tips for Using ATMs at Speedway
Speedway locations are often well-lit and busy, but it’s still important to follow basic ATM safety practices:
- Be aware of your surroundings, especially at night.
- Inspect the machine for unusual attachments or loose card readers.
- Avoid using isolated outdoor ATMs if possible.
- Cancel immediately if the screen shows an unexpected fee.
If you experience a retained card or failed withdrawal, follow this guide: What to Do if an ATM Takes Your Card or Money.
Final Thoughts: Is a Speedway ATM a Good Option?
Speedway ATMs are a convenient option for travelers and everyday drivers. Some locations provide surcharge-free access through Cardtronics and Allpoint, while others may charge higher fees if they are independently operated.
Before withdrawing, check your bank’s ATM locator or use our ATM locator guide to find a nearby Speedway ATM or another fee-free option near you.
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Updated January 2026. ATM operators and surcharge policies vary by location—always confirm any fee notice on-screen before completing your withdrawal.
