Need to grab just a few dollars in cash? It might surprise you, but some banks now allow withdrawals as low as $1 from ATMs. Whether you’re managing tight finances, splitting payments precisely, or simply prefer smaller denominations, this guide explains which ATMs offer $1 bills, how they work, and what to expect when withdrawing small amounts.
Why ATMs That Dispense $1 Bills Are Becoming Popular
Not every transaction requires large bills. As more people move to digital banking and keep smaller balances, the demand for low-denomination withdrawals has grown. Toward the end of the month or before payday, some customers may only have $20 or less available — and banks are adapting by installing ATMs that can dispense mixed denominations, including singles.
For example, instead of withdrawing only $20, customers can now request $18, $11, or even $1. These flexible options make managing small balances easier and help avoid overdraft or minimum withdrawal frustrations.
Banks That Offer $1 Bills at Their ATMs
While not yet widespread, several U.S. banks have introduced ATMs capable of dispensing $1 bills in select locations:
- Fifth Third Bank: Newer branch and lobby ATMs allow withdrawals as low as $1 in mixed denominations.
- Chase Bank: Inside-branch ATMs often provide custom bill options, including $1 and $5 bills.
- PNC Bank: Many in-branch ATMs now allow small cash withdrawals starting at $1.
These features are typically limited to newer “smart” ATMs located inside bank branches. Outdoor or third-party ATMs usually only dispense $20 bills.
How to Find $1 Bill ATMs Near You
- 🗺️ Use your bank’s locator: Look for “custom denomination” or “mixed bill” filters in the app or website.
- 🏦 Visit in-branch ATMs: Machines inside the bank are more likely to support low-denomination withdrawals.
- 💬 Ask at your local branch: Bank staff can confirm whether $1 withdrawals are available in your area.
For comparison, see our related post on how $10 bill withdrawals benefit local economies.
Understanding Withdrawal Limits
Most banks set both daily maximums and minimum withdrawal amounts at their ATMs. While you can sometimes withdraw as little as $1, the typical minimum is $5 or $10. Factors like your account balance, card type, and the ATM’s available denominations all affect the minimum amount you can request.
Daily maximums vary by institution — for example, PNC Bank’s withdrawal limit is usually $500 to $1,000 per day, depending on your account and card status.
How to Avoid Fees When Withdrawing Small Amounts
When you withdraw small sums like $1 or $5, fees can feel disproportionate. Here’s how to reduce or avoid them:
- Use your bank’s ATMs: Stay in-network to avoid surcharge fees.
- Find fee-free networks: Search for surcharge-free ATMs like Allpoint or MoneyPass.
- Request cash back at stores: Buying a small item and selecting “cash back” at checkout can save on ATM fees entirely.
Also, avoid using third-party or convenience store ATMs for small withdrawals — a $3.50 fee on a $5 withdrawal equals a 70% loss in value.
Tips for Using ATMs That Dispense Small Bills
- Inspect the card reader and keypad for tampering before inserting your card.
- Choose ATMs located in secure, well-lit areas — ideally inside a branch or grocery store.
- Always review your balance and request a receipt for accuracy.
These steps protect your information and ensure your transaction is processed correctly.
Key Takeaway
ATMs that let you withdraw $1 bills are still relatively rare but growing in number. Banks like Chase, Fifth Third, and PNC are leading the way by offering greater flexibility for customers who need smaller amounts. To avoid unnecessary fees, always use in-network or surcharge-free ATMs — and consider store cash-back options for quick, low-cost access to small cash amounts.
Updated November 2025 — Your complete guide to finding ATMs that dispense $1 bills safely, affordably, and conveniently.