How do I find surcharge-free ATMs near me?

You can find surcharge-free ATMs near you by using your bank’s ATM locator, checking network sites like Allpoint or MoneyPass, or using online guides that list fee-free ATMs by network and location.

Do I still pay my bank’s fees at a surcharge-free ATM?

Surcharge-free means the ATM owner does not charge a fee. Your own bank may still charge an out-of-network fee unless the ATM is part of a network your bank has partnered with. Always check your bank’s account terms.

Which networks offer surcharge-free ATMs?

Major surcharge-free ATM networks include Allpoint, MoneyPass and CO-OP for credit unions. Many banks and prepaid card issuers participate in at least one of these networks.

Surcharge-Free ATM Near Me – Find Fee-Free Cash Access (2025)

Q: What is a surcharge-free ATM?

A surcharge-free ATM is a cash machine that does not charge you an extra fee from the ATM owner for withdrawing money. If your bank or card issuer participates in a network such as Allpoint or MoneyPass, you can usually use those ATMs without paying a surcharge.

Hate paying ATM fees? You’re not alone. Finding a surcharge-free ATM near you keeps more money in your pocket with every withdrawal. This 2025 guide explains what “surcharge-free” really means, how to identify eligible ATMs, which networks and banks participate, and how to find one fast using the live map below.

Tip: Enable location access in your browser or mobile device to instantly see nearby fee-free ATMs on the map above.

What Is a Surcharge-Free ATM?

A surcharge is the extra fee charged by an ATM operator when you withdraw cash using a card from another bank. These fees often range from $2.50 to $5.00 per transaction—and your own bank may add a second “out-of-network” fee on top of that.

Surcharge-free ATMs eliminate that external operator fee. They’re part of networks that allow participating banks and credit unions to share access for free. When you use one, you can withdraw cash without paying that additional charge, even if it’s not your home bank’s machine.

Popular Surcharge-Free ATM Networks

Several major ATM networks make it easy to find fee-free access nationwide:

Allpoint: Over 55,000 ATMs located in CVS, Walgreens, Target, and other retail stores.
MoneyPass: Common at regional banks, credit unions, and some convenience stores.
CO-OP Network: Serves credit unions across the U.S. and supports deposits at many machines.
Star and Alliance One: Additional regional networks that provide free access for partner banks.

When you see the network’s logo on an ATM, it typically means surcharge-free withdrawals for cardholders whose institutions participate in that network.

How to Find a Surcharge-Free ATM Near You

You can find surcharge-free ATMs quickly using a few reliable tools:

Bank Mobile Apps: Many banks integrate Allpoint or MoneyPass locators right into their apps.
Network Locator Websites: Visit the Allpoint or MoneyPass locator pages and enter your ZIP code.
Google Maps: Search for “surcharge-free ATM near me” or “Allpoint ATM + [city]”.
Retail Stores: Look for ATMs inside CVS, Walgreens, Circle K, or grocery stores that display the green Allpoint or blue MoneyPass logos.

Benefits of Using Surcharge-Free ATMs

Save money instantly: Avoid paying $3–$5 per withdrawal in extra fees.
Convenient locations: Found in pharmacies, convenience stores, and retail chains open late.
Nationwide access: Over 90,000 combined Allpoint and MoneyPass machines across the U.S.
Simple verification: The ATM screen should show $0.00 surcharge before confirming your withdrawal.

Banks That Offer Surcharge-Free Withdrawals

Many popular financial institutions participate in one or more surcharge-free networks. Here are some examples:

PNC Bank – Partnered ATMs and SmartAccess cards with no operator fee.
U.S. Bank – Access to the MoneyPass network and select surcharge-free partners.
Capital One – Offers 70,000+ fee-free ATMs through Allpoint and MoneyPass.
Chime & SoFi – Online banks that rely entirely on surcharge-free networks for cash withdrawals.

What About Cash Deposits?

Most surcharge-free ATMs are withdrawal-only, not designed for deposits. If you need to add funds, use your own bank’s ATM or one of the ATMs that accept deposits near you. Always check your bank’s app to confirm deposit capability before visiting.

Smart Tips to Maximize Savings

Use your bank’s ATM locator before traveling to find surcharge-free partners.
Withdraw slightly larger amounts less often to minimize transactions.
Ask your bank if they reimburse third-party ATM fees each month — many online banks do.
For smaller withdrawals, check grocery stores or pharmacies with Allpoint ATMs open 24/7.

Understanding “Out-of-Network” Fees

Even if an ATM is surcharge-free, your own bank might still charge an out-of-network fee if they’re not part of that network. Always verify participation in writing or through your app before assuming a machine is fully fee-free. The best combination is using both a surcharge-free ATM and a bank that reimburses any remaining fees.

Related Guides

Updated November 2025 — Use this guide anytime you need to find a surcharge-free ATM quickly and keep every dollar where it belongs: in your pocket.