Quick answer: Most Walmart stores have at least one ATM, usually operated by Woodforest National Bank, MoneyPass, Green Dot, or another third-party ATM provider. Fees typically range from free to about $3.50 depending on your bank and the ATM network. If you want cash without ATM fees, Walmart cash back at checkout is usually the cheapest option.
If you are searching for a Walmart ATM near me, this guide explains how Walmart ATMs work, which ATM networks appear inside Walmart stores, how to avoid fees, where to find surcharge-free access, and what to expect when withdrawing cash at Walmart locations across the United States.
Most Walmart ATMs are located near the MoneyCenter, customer service desk, front entrance, or checkout area. Larger Supercenters are more likely to have multiple ATM options, including MoneyPass and Woodforest machines.
Map not loading? Open Walmart ATM map in Google Maps.
What ATMs Are Inside Walmart Stores?
Walmart does not operate a single nationwide ATM network. Instead, Walmart stores typically contain ATMs operated by third-party providers, bank branches, or surcharge-free ATM networks.
The exact ATM setup varies by location, but most Walmart stores use one or more of the following:
| ATM Operator | Typical Location | Fee-Free For | Typical Fee |
|---|---|---|---|
| Woodforest National Bank | In-store branch near customer service | Woodforest customers | $2.50–$3.00 |
| MoneyPass ATM | MoneyCenter or front area | Participating banks/apps | $2.50–$3.50 |
| Green Dot / GO2bank | MoneyCenter kiosk | Green Dot users | Varies |
| Third-party ATM operators | Store entrance or checkout | Usually none | $2.50–$3.50 |
Not every Walmart location has the same ATM setup. Walmart Supercenters are more likely to have multiple ATMs and a Woodforest branch, while smaller Neighborhood Markets may only have one machine.
What Is a Walmart MoneyCenter ATM?
Many Walmart stores place ATMs near the Walmart MoneyCenter area. These are often MoneyPass-network machines, Green Dot kiosks, or ATMs connected to financial service providers that partner with Walmart.
Because MoneyCenters already handle services like check cashing, bill pay, money transfers, prepaid card reloads, and money orders, they are one of the most common places to find an ATM inside Walmart.
How to Find a Walmart ATM Near You
The easiest way to find a Walmart ATM near you is to use your bank’s ATM locator app, Google Maps, or the map above. Your banking app is usually the best option because it can show whether the Walmart ATM is part of your bank’s surcharge-free network.
- Bank ATM locator: Best way to find fee-free Walmart ATMs
- MoneyPass locator: Shows participating Walmart locations
- Woodforest branch finder: Identifies Walmart stores with Woodforest branches
- Google Maps: Useful for finding the nearest Walmart ATM quickly
Many Walmart ATM searches happen while people are already shopping or traveling nearby, which is why Walmart ATMs tend to rank highly in local ATM searches.
Where Are ATMs Located Inside Walmart?
Most Walmart ATMs are located in high-traffic areas near the front of the store. Common locations include:
- Near the Walmart MoneyCenter
- Beside the customer service desk
- Close to the main entrance
- Near checkout or self-checkout areas
- Inside a Woodforest National Bank branch
If you cannot find the ATM, ask customer service. Walmart associates usually know exactly where the ATM is located.
Walmart ATM Fees
Walmart itself does not control ATM fees. Each ATM operator sets its own surcharge, and your bank may also charge an out-of-network fee.
- MoneyPass ATM: Free for participating banks and apps
- Woodforest ATM: Free for Woodforest customers
- Third-party ATM: Usually charges all users
- Out-of-network fee: Your bank may add an additional fee
Most Walmart ATM surcharges range from about $2.50 to $3.50. The exact amount appears on screen before you approve the transaction.
Related guides: ATM fees explained, banks with the lowest ATM fees, and surcharge-free ATM near me.
How to Get Cash at Walmart Without ATM Fees
If you want cash at Walmart without paying ATM fees, these are usually the best options:
For a deeper breakdown of fee-free cash options, see our full Walmart free ATMs guide.
1. Use cash back at checkout
Walmart allows debit card cash back at most registers and self-checkout lanes. In many cases, this is the easiest and cheapest way to get cash because there is no separate ATM fee.
2. Use a MoneyPass ATM
If your bank or financial app participates in the MoneyPass network, Walmart MoneyCenter ATMs may be surcharge-free for you.
3. Use a Woodforest account
Woodforest National Bank branches inside Walmart stores offer free ATM access for Woodforest customers.
Which Banks Get Free ATM Access at Walmart?
| Bank or App | Free at Walmart ATM? | Network |
|---|---|---|
| U.S. Bank | ✅ Yes | MoneyPass |
| Capital One | ✅ Yes | MoneyPass |
| Venmo Debit Card | ✅ Yes | MoneyPass |
| Varo | ✅ Yes | MoneyPass |
| Current | ✅ Yes | MoneyPass |
| GO2bank | ✅ Yes | MoneyPass / Green Dot |
| Walmart MoneyCard | ✅ Yes | MoneyPass |
| Woodforest National Bank | ✅ Yes | Woodforest branch ATM |
| Many credit unions | ✅ Often | MoneyPass or shared ATM network |
| Chase | ❌ No | Own ATM network |
| Bank of America | ❌ No | Own ATM network |
| Wells Fargo | ❌ No | Own ATM network |
Many credit unions participate in MoneyPass or other surcharge-free ATM networks. Check your banking app before visiting a Walmart ATM if avoiding fees matters.
What Bills Do Walmart ATMs Dispense?
Most Walmart ATMs primarily dispense $20 bills, although some machines may also offer $10 bills depending on the ATM operator and available cash inside the machine.
Larger Walmart Supercenters with MoneyPass or bank-operated ATMs are more likely to support multiple bill options than small third-party machines near entrances.
Related guides: What bills do ATMs give?, ATMs that give $10 bills, and ATMs that give $5 bills.
Walmart ATM Hours
ATM access follows the Walmart store’s hours. While some Walmart locations stay open late, most stores are no longer open 24 hours a day. Most Supercenters are open roughly 6 AM–11 PM, though hours vary by location, so check the Walmart app or Google Maps for your specific store before making a trip.
Supercenters usually offer the longest ATM access hours, while Neighborhood Markets and smaller Walmart locations often close earlier in the evening.
- Walmart Supercenter: Usually offers the latest ATM access hours
- Neighborhood Market: Often closes earlier in the evening
- Woodforest branch ATM: May remain accessible even when the branch counter is closed
- MoneyCenter kiosks: Available during normal store hours
Related guide: ATM near me open now.
Does Walmart Have Cardless ATM Withdrawals?
Some Walmart ATMs support cardless withdrawals, but support depends on the ATM operator and your bank. MoneyPass machines may support NFC tap-to-withdraw or app-based access for participating banks.
Most third-party ATMs still require a physical debit card.
Related guide: Cardless ATM Near Me.
Can You Deposit Cash at a Walmart ATM?
Most Walmart ATMs are withdrawal-only machines. However, Walmart stores offer several alternative cash deposit and reload options.
- Woodforest branch deposits
- Prepaid card reloads at the MoneyCenter
- Chime cash deposits at participating registers
- Green Dot reload services
- Money transfer services
If you need to deposit cash into a traditional bank account, your bank’s branch or partner retailer may still be a better option than a Walmart ATM.
Common Walmart ATM Problems
| Problem | Possible Fix |
|---|---|
| ATM fee too high | Use cash back or find a MoneyPass ATM |
| ATM out of cash | Try another machine or use cash back |
| Card declined | Check your balance and withdrawal limits |
| ATM kept your card | Contact your bank immediately |
| Charged but no cash dispensed | Keep receipt and contact your bank |
| Cannot find ATM | Ask customer service where it is located |
Related guides: ATM declined card, ATM ate my card, and ATM charged but no cash.
Related ATM Guides
- Walmart Free ATMs Guide
- MoneyPass ATM Near Me
- How to Find Fee-Free ATMs
- Surcharge-Free ATM Near Me
- ATM Fees Explained
- Cardless ATM Near Me
- ATM Near Me Open Now
- What Bills Do ATMs Give?
How This Guide Is Maintained
This guide is reviewed and updated to reflect changes in Walmart ATM operators, surcharge-free ATM networks, Woodforest branch availability, and Walmart MoneyCenter services. ATM availability and fees vary by store location and operator. Last reviewed: May 2026.
Bottom Line
Most Walmart stores have at least one ATM, but the operator and fees vary by location. MoneyPass and Woodforest ATMs can provide surcharge-free access for eligible users, while third-party ATMs usually charge a fee. If your main goal is getting cash cheaply, Walmart cash back at checkout is often the simplest and least expensive option.
Frequently Asked Questions
Does Walmart have ATMs inside the store?
Yes. Most Walmart stores have at least one ATM near the entrance, customer service desk, MoneyCenter, or checkout area. Larger Supercenters may have multiple machines from different operators.
How much does a Walmart ATM charge?
Most Walmart ATM fees range from about $2.50 to $3.50, depending on the ATM operator and your bank. MoneyPass and Woodforest customers may qualify for surcharge-free withdrawals.
Can I get free cash at Walmart without using an ATM?
Yes. Walmart offers debit card cash back at checkout, which is often the cheapest way to get cash without paying ATM fees. You can also use a MoneyPass ATM or Woodforest ATM if your account qualifies for surcharge-free access.
What ATM network does Walmart use?
Many Walmart stores use MoneyPass ATMs inside the MoneyCenter area. Some stores also contain Woodforest National Bank branch ATMs and independent third-party machines.
Are Walmart ATMs open 24 hours?
ATM access depends on store hours. Most Walmart stores are no longer open 24 hours, although some Supercenters stay open later than smaller locations. Check the Walmart app or Google Maps before making a special trip.
Can I deposit cash at a Walmart ATM?
Most Walmart ATMs are withdrawal-only. However, Walmart stores may offer prepaid reloads, Chime cash deposits, Green Dot reloads, and Woodforest branch deposit services.
Where is the ATM inside Walmart?
Walmart ATMs are usually near the MoneyCenter, customer service desk, store entrance, checkout area, or Woodforest branch. If you cannot find one, ask customer service where the store’s ATM is located.
Do Walmart ATMs give $10 bills?
Some Walmart ATMs may offer $10 bills, but most machines primarily dispense $20 bills. Bill options depend on the ATM operator, machine settings, and available cash loaded into that specific ATM.