Why Finding $10 Bills at ATMs Isn’t Always Easy
While $20 withdrawals dominate, small denominations are critical for tips, exact‑change errands, and tight budgets. Here’s how to locate ten‑dollar ATMs near you—fast.
Many ATM machines default to $20 bills, which can be inconvenient if you need exact change or want smaller withdrawals for budgeting. In this guide you’ll learn:
- Which networks and bank branches offer $10 dispenses
- Simple methods to locate ten‑dollar ATMs nearby
- Advanced tips to minimize or avoid non‑customer fees
Common Ways to Get $10 Bills from an ATM
If you’ve ever wondered, “Which ATM gives $10 near me?” try one of these approaches:
- Downtown Bank Branches
Urban locations of major banks often install multi‑denomination machines. Look for “Other Amount” on the screen, then enter “10.” - Mobile App Filters
Your bank’s app frequently includes an option to filter by bill size. Toggle on “$10 bills” to see only compatible machines. - Surcharge‑Free Networks
Apps like Allpoint and MoneyPass let you filter by denomination—some kiosks in high‑traffic areas now offer ten‑dollar withdrawals.
Major ATM Networks with $10 Bill Options
- Bank of America
Select city‑center ATMs. Use the BofA app’s “$10” filter. - Chase
Flagship metro branches. Often waive withdrawal fees for non‑customers. - Wells Fargo
Suburban & downtown locations. Choose “Other Amount” in their locator. - US Bank
High‑traffic urban branches. Apply the denomination filter on their map. - PNC
Eastern U.S. markets. Toggle “Bill Options” to include $10.
How to Find a Ten‑Dollar ATM Nearby
- Open Your Bank’s Mobile App
Look for a “Withdrawal Options” or “Denomination” setting and select $10. - Use Allpoint or MoneyPass
Download the network’s app, then search or filter by “$10 withdrawals.” - Check Google Maps
Search “ATM near me,” tap a location, and scan photos or user reviews for mentions of “$10.”
Avoiding Extra Fees on $10 Withdrawals
- Use Surcharge‑Free Networks
Allpoint (55,000+ machines), MoneyPass (35,000+), and SUM networks do not charge non‑customer fees. - Check Bank Partnerships
Many credit unions belong to no‑fee ATM alliances—verify your credit union’s partner networks to unlock free access. - Compare Fee Schedules
– Chase: $3 per non‑customer transaction
– Wells Fargo: $2–$5 (varies by state)
– Independent ATMs: $2–$5 flat fee - Bundle Small Withdrawals
If you need $10 and $5 bills, withdraw $15 at once to avoid two separate fees. - Watch for Daily Caps
Some networks cap total ATM fees per day—check your app’s fee disclosure section for limits. - Use Fee‑Rebate Accounts
Certain checking accounts reimburse ATM fees (including non‑bank fees). Link your debit card to an account that offers fee rebates.
Quick Tip: Before you tap “Withdraw,” always use the on-screen prompts to choose “Other Amount” and type 10. It’s the fastest way to access $10 bills when available.
Frequently Asked Questions
Can every ATM dispense $10 bills?
No. Only select machines—usually in busy urban branches or specialized kiosks—support $10 withdrawals. Always check the denomination filter in your bank’s app or on the machine itself.
How do I know if an ATM lets me withdraw $10?
Look for an “Other Amount” or “Bill Options” menu on the ATM screen. If you see a field for custom amounts, enter “10.” Mobile app locators often let you pre-filter machines by denomination.
Are there fees to withdraw $10 at a non-bank ATM?
Yes—non-customer fees typically range from $2 to $5 per transaction. To avoid these, use surcharge-free networks or your own bank’s in-network ATMs.
Which bank ATMs let you withdraw $10 bills?
Major banks like Bank of America, Chase, Wells Fargo, US Bank, and PNC have $10-dispensing ATMs at select busy branches. Check their ATM locators for details.
Is there a surcharge-free $10 ATM network?
Allpoint and MoneyPass are surcharge-free and include $10 options at many locations. Use the network apps’ filters to identify ten-dollar kiosks.
Can I withdraw exactly $10 from any ATM?
Only if the machine supports custom amounts. Tap “Other Amount,” enter “10,” and confirm. If no custom option appears, the machine doesn’t support $10 bills.
Can I get $10 bills at grocery‑store ATMs?
Some grocery chains’ co‑branded ATMs offer $10 increments—look for in‑store kiosks from major banks rather than third‑party machines.
Conclusion & Next Steps
Locating ten‑dollar ATMs doesn’t have to be a scavenger hunt. Use your bank’s app filters, surcharge‑free networks, and these strategies to find $10 bill dispensers near you—often with zero extra fees.