What the Allpoint ATM Network Means for Fee-Free Cash Access

ATM fees in the United States just hit a record high for the third consecutive year. If you are still paying every time you take out cash, you are losing money that could stay in your wallet. Understanding how the Allpoint ATM network works is one of the fastest, most practical steps you can take to stop that drain, starting today.

Key Takeaways

• ATM fees are at an all-time high: According to Bankrate's 2025 Checking Account and ATM Fee Study, the average total out-of-network ATM fee is now $4.86 per transaction, meaning if you withdraw cash once a week, you could spend roughly $253 per year on fees alone. Use only in-network machines to protect that money.

• Allpoint is the largest surcharge-free network in the US: With over 55,000 ATM locations globally, more than 40,000 inside the United States, Allpoint is close in size to the top three US banks' ATM fleets combined. If your bank participates, you already have access to this network at no extra cost.

• Access comes through your bank, not a separate sign-up: The Allpoint Network grants access automatically through your financial services provider. There is nothing extra to sign up for, just confirm your institution is a partner and start using it.

• Online banks rely heavily on Allpoint: Digital-only banks like Chime, SoFi, Varo, and Current all use Allpoint as their primary ATM access method, according to NerdWallet's 2026 online checking account guide. If you bank digitally, odds are you already have Allpoint access.

• Allpoint now supports deposits too: Through the Allpoint+ program, customers of participating institutions can deposit cash at more than 3,500 enabled ATMs, solving one of the biggest frustrations of online-only banking.

Quick-Start Prioritization Framework

Before diving into the details, use this table to figure out which action is most relevant to your situation right now.

Start here if you are:

• Already a bank customer: Call or check your bank's website first. If your bank is one of more than 1,000 card providers that partner with Allpoint, you have nothing to do except start using the right ATMs.

• Paying fees regularly: Switching to an Allpoint-linked online bank like SoFi or Varo is the most impactful move for consistent fee avoiders.

• An online banking user who needs to deposit cash: Seek out an Allpoint+ location via the official locator, the upgrade takes under five minutes to locate.

What the Allpoint ATM Network Actually Is

The Basics: A Shared Surcharge-Free Network

Allpoint is one of the largest surcharge-free ATM networks in the United States and is widely used by online banks, fintech apps, and digital banking services. Operated by NCR Atleos (formerly Cardtronics), the network works by partnering with financial institutions that agree to cover the ATM access cost on behalf of their customers. When you use an Allpoint ATM and your bank is a network member, you pay no operator surcharge, the largest single ATM fee.

The Allpoint network gives cardholders access to surcharge-free cash at over 40,000 locations in the US and 55,000 globally, a network that is close in size to the top three US banks combined. That scale matters because it is hard to be far from one. One out of every twelve ATMs in the United States participates in the Allpoint network.

How Allpoint Makes Money Without Charging You

Many people wonder how a "free" network sustains itself. The answer is straightforward: financial institutions pay Allpoint to be part of the network, so the cost never touches the end user directly. Many digital banks, fintech apps prepaid cards, and digital banking services use the Allpoint ATM network to provide fee-free ATM withdrawals to customers. Instead of investing in their own costly ATM hardware, these institutions pay a network participation fee, and you benefit from the result.

Pro Tip: Before your next cash withdrawal, open your bank's mobile app and check whether it includes an Allpoint locator feature. Most Allpoint-partner banks embed the ATM finder directly into the app, saving you the step of visiting a separate website.

Who Can Access the Allpoint Network?

As a consumer, you gain access to the Allpoint Network through your financial services provider. Banks, credit unions, and prepaid card programs of all sizes participate. more than 1,000 card providers that partner with Allpoint including banks and credit unions, partner with Allpoint to eliminate ATM surcharges, one of the most common fees incurred by customers.

Where You Will Find Allpoint ATMs

Retail Locations You Already Visit

One of the most underrated features of Allpoint is where the machines are placed. Allpoint ATMs are located in leading national and regional merchant locations such as CVS, Target, and Walgreens across the United States, Canada, Mexico, United Kingdom, and Australia. You can find Allpoint Network ATMs in 55,000 retail locations around the world, including over 40,000 in the United States at many retailers you already visit, like Target, CVS, Speedway, Walgreens, Circle K, Costco, Wawa, and more.

This placement strategy is deliberate. Because these machines sit inside stores you are already shopping in, getting cash no longer requires a detour. You grab your prescription at Walgreens, take out $60 at the ATM nearby, and continue with your day.

International Access

The Allpoint Network is a surcharge-free network of ATMs with over 55,000 locations throughout the United States, Canada, Mexico, Puerto Rico, United Kingdom, and Australia. That said, international access varies by institution. Check with your specific bank before traveling abroad to confirm whether your account's Allpoint benefits extend outside the US. Some banks limit surcharge-free access to domestic locations only.

Using the Allpoint Locator

You can easily find the nearest Allpoint ATM using the locator on Allpoint's website or app. The tool at allpointnetwork.com/locator accepts a ZIP code or address and returns a map of nearby machines. Your bank's own mobile app may also list Allpoint ATMs directly alongside its proprietary locations.

Pro Tip: One quirk worth knowing, when using an Allpoint ATM, you may encounter a surcharge screen at the start of a transaction. The ATM does not determine whether your card is in the Allpoint network until later in the transaction. Tap "Accept" to continue your transaction if you encounter this screen. You should not incur a fee. Do not cancel your transaction when you see this screen, that is normal behavior for network machines.

The Real Cost of Skipping Allpoint

ATM Fees at a Record High

In my experience helping people review their monthly spending, ATM fees are consistently the most overlooked drain, small individually, but painful in aggregate. The average total fee for an out-of-network ATM withdrawal has reached a record high for the third year in a row, according to Bankrate's annual Checking Account and ATM Fee Study. The cost of an out-of-network ATM withdrawal has reached a record high for the third consecutive year at $4.86, up 1.9% from $4.77 in 2024.

That $4.86 consists of two separate charges. The average ATM surcharge reached a record high for the fourth consecutive year at $3.22, up 0.9% from $3.19 in 2024, and the average fee assessed by your bank for going outside of the network rose to $1.64, up 3.8% from 2024. Therefore, if you use an out-of-network machine twice a week, you are paying roughly $500 per year for the privilege of accessing your own money. That is a figure worth acting on.

The Annual Math

Using an out-of-network ATM once a week would cost you about $253 per year in fees alone. Double that frequency and the number climbs to over $500. Compare that to the cost of switching to an Allpoint-partner bank, typically zero dollars. The decision becomes clear when the numbers are laid out this way.

"As ATMs become less frequently used, associated fees are likely to rise," said Bankrate Financial Analyst Stephen Kates, CFP. "Consumers can most easily avoid these fees by banking with institutions offering wide ATM networks or reimbursing out-of-network ATM charges." The action that follows: identify your three most common ATM locations and cross-reference them with the Allpoint locator today. If they are not Allpoint machines, you have a clear reason to adjust.

Which Banks and Fintechs Use the Allpoint Network?

Online Banks and Neobanks

The network is a cornerstone of the online banking model, most digital-only banks use Allpoint as their primary ATM access method rather than maintaining their own machines. Many online banks and fintech apps use Allpoint, including Capital One 360, Chime, Varo, Current, GO2bank, and others.

I've found that people are often surprised to learn their existing account already includes Allpoint coverage. For example, SoFi customers can use more than 55,000 fee-free Allpoint ATMs. Varo is part of the Allpoint ATM network, so users can access over 55,000 free ATMs. Chime and SoFi are fintech companies with partner banks that have fee-free checking and savings accounts and use the Allpoint ATM network.

Traditional Banks and Credit Unions

Institutions of all sizes turn to Allpoint to enhance or outsource their ATM network while reducing costs and increasing customer engagement. The network's growth has also continued with credit unions. For example, Utah Community Credit Union's 2025 announcement highlighted how joining the Allpoint network allows community institutions to serve members at retail locations without building or maintaining a private ATM fleet.

Pro Tip: If you bank with a community bank or credit union that does not yet offer Allpoint access, ask them about joining the network. Many smaller institutions are actively adding Allpoint as a member benefit, and customer demand accelerates these decisions.

The Allpoint+ Deposit Upgrade

One limitation often cited about online banking is the inability to deposit cash conveniently. Allpoint has addressed this directly. Allpoint+ expands the Allpoint surcharge-free cash withdrawals you know to include cash deposits at select locations. Allpoint+ brings the power of the branch to your local store. NCR Atleos offers Allpoint+ ATMs which provide enhanced services in the form of cash deposits. Customers can deposit cash at more than 3,500 Allpoint+ ATMs, which can also be found on the locator.

Allpoint ATMs now allow customers of partnered online banks, community banks, and credit unions to deposit cash and checks directly into select ATMs without using envelopes or deposit slips. This new deposit functionality levels the playing field for smaller financial institutions. Deposits made at Allpoint ATMs through partnered institutions are free of charge, aligning with Allpoint's surcharge-free policy.

Common Mistakes That Still Cost People Money

Assuming All ATMs at a Store Are Allpoint

Not every ATM inside a Walgreens or CVS is an Allpoint machine. Some retailers house ATMs operated by independent companies that charge significant fees. Many Allpoint Network machines look like they are operated by other banks or credit unions. However, all ATMs listed on the Allpoint locator are part of the Allpoint Network and are fee-free for Allpoint cardholders. Just look for the Allpoint sticker on the lower part of the ATM. Always check for the logo before inserting your card.

Not Verifying Your Bank's Participation

While Allpoint ATMs charge no fees of their own, this does not mean you will pay no fees to your card issuer or bank. If your bank is not an Allpoint partner, you may still be charged your bank's out-of-network fee even when using an Allpoint machine. Check with your financial institution to determine whether it participates in the Allpoint network, or use the Allpoint app to verify whether you can use your card without incurring a fee at an Allpoint ATM.

Ignoring Store Hours

Although many bank ATMs are open 24/7, Allpoint ATMs are subject to the hours of the stores they are located in. These stores include Walgreens, CVS, Target, Kroger, and more. If you need cash at 3 a.m., confirm that the store hosting your nearest Allpoint machine is open before making the trip.

How Allpoint Fits Into a Smarter Cash Strategy

After years of reviewing personal budgets, one pattern I consistently see is that people underestimate how much their cash-handling habits cost them. Allpoint access is one piece of the puzzle, but it works best when paired with intentional spending habits.

Tools like Envelope can help you track exactly how much cash you withdraw each month, categorize it by purpose, and spot when those small ATM fees are quietly adding up. Knowing your cash habits in detail makes it far easier to plan your withdrawals around Allpoint locations, and see the real dollar savings over time.

If your ATM fees, combined with other fees your bank charges, are hurting your wallet, it might be time to consider a new bank. Some online banks and community financial institutions refund ATM fees, either an unlimited amount or up to $10 or more per month. Pairing a fee-free bank with a budgeting tool creates a complete picture of your cash flow, not just access to cheaper withdrawals.

Frequently Asked Questions

What is the Allpoint ATM network and how does it work?

Allpoint is a shared ATM network that eliminates surcharges for participating cardholders. Financial institutions pay to join the network, and in return their customers can withdraw cash at any Allpoint ATM without paying the operator surcharge. As a consumer, you gain access to the Allpoint Network through your financial services provider. Banks, credit unions, and prepaid card programs of all sizes participate.

Is there any fee for using an Allpoint ATM?

Allpoint charges no fees whatsoever on all types of ATM withdrawals. As a consumer, you will not be charged by Allpoint for withdrawing any amount of cash at any frequency. However, your own bank may still charge an out-of-network fee if it is not a formal Allpoint partner. Verify your bank's participation before assuming the transaction is fully free.

How do I find the nearest Allpoint ATM?

The fastest way to find an Allpoint ATM near you is the official locator at allpointnetwork.com. You can also check your bank's mobile app, as most Allpoint-partner institutions integrate the locator directly. Simply enter your ZIP code or address to find the closest location.

Can I deposit cash at an Allpoint ATM?

Yes, but only at select Allpoint+ locations. If your account supports Allpoint+ deposits, your deposit options will be displayed when you start an ATM transaction. Allpoint+ ATMs are available at select CVS, Walgreens, and other prominent retail stores in major metropolitan areas across the country. Use the Allpoint locator and filter for Allpoint+ locations to find one near you.

What happens if I see a fee warning screen at an Allpoint ATM?

This is a common source of confusion. The surcharge screen is there to notify customers of other institutions who are not participating in the Allpoint Network. Just press "Yes" to accept the fee and continue with your transaction. Allpoint cardholders will not be charged. The warning is displayed to non-member cardholders and cannot be suppressed mid-transaction for your card type.

The Bottom Line

Allpoint, MoneyPass, and CO-OP are the three largest ATM networks in the country, each providing tens of thousands of ATMs for customers of banks and credit unions to use without transaction fees. Of the three, Allpoint is the largest and the most widely embedded in the online banking ecosystem. Given that Bankrate's data shows out-of-network fees have risen nearly 150% since 1998, joining or confirming access to a surcharge-free network is one of the simplest financial moves you can make.

Check your bank's website today, confirm Allpoint access, and save that $4.86, every single time.

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