Allpoint is one of the largest third-party automated teller machine (ATM) networks, with more than 55,000 machines worldwide. It gives customers of participating banks, credit unions and financial apps a way to withdraw cash (and in some cases deposit it) without paying a fee.
Financial institutions join networks such as Allpoint to give customers broad ATM access without having to build and maintain a large network of their own.
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Where can I find an Allpoint ATM near me?
The Allpoint website has an ATM locator tool that customers can use to find the Allpoint ATMs in their area. Customers can also download the Allpoint mobile app, which can help you find machines and save a favorite location. If your bank uses Allpoint, its mobile app may have an ATM locator that shows these machines, too.
You can typically identify participating machines by the Allpoint logo.
What stores have Allpoint ATMs?
Some of the biggest retailers that offer Allpoint ATMs include Target, CVS and Walgreens, as well as Circle K and some Casey’s convenience stores. There are plenty of other stores, too, so check a locator before you head out.
Are Allpoint ATMs free?
Allpoint ATMs are surcharge-free for customers whose bank, credit union or card provider participates. That means you skip the fee an ATM’s owner charges people outside its network. Those surcharges typically run from $1.50 to $3.
What if the ATM says I’ll pay a surcharge?
You might see a screen asking you to accept a surcharge anyway. That’s because the ATM doesn’t know your card participates in Allpoint until the transaction is complete. According to Allpoint, you won’t be charged if your card includes Allpoint and the ATM is in Allpoint’s network. In that case, Allpoint says to press “Accept” and finish the transaction. If you’re not sure the machine is in the network, check Allpoint’s locator before you accept.
If you do get charged, call your card provider for reimbursement. The number is on the back of your card.
What is the Allpoint ATM withdrawal limit?
Your card provider sets your daily ATM withdrawal limit. Each machine will have its own max per transaction, and Allpoint doesn’t set a limit for how many withdrawals can be done in a day. Daily limits vary by institution. SoFi®'s is $1,000, for example, and Chime’s is $515 with its debit card.
Can I deposit cash at an Allpoint ATM?
Some Allpoint ATMs take cash deposits. Those machines, called Allpoint+, let you add cash to your account at a store instead of a branch. They're at select locations of CVS, Walgreens and other retailers in major metro areas, and they carry their own Allpoint+ logo. Deposits work only if your card provider participates in Allpoint+, so check with your issuer first.
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If you have an online-only bank account that participates in the network, Allpoint ATMs may be a convenient way to get cash and make cash deposits.Does Allpoint have international ATMs?
Yes. Allpoint has ATMs in Canada, Puerto Rico, Mexico, the United Kingdom and Australia, but they may not be completely free. For example, BMO customers skip the surcharge at Allpoint ATMs abroad but pay foreign transaction fees. Varo charges $3.50 at all international ATMs. Check with your bank before you travel. (Learn how to avoid international ATM fees.)
Is my bank part of the Allpoint network?
Banks will usually put their ATM information on their websites, including the number of fee-free ATMs customers can use, where the ATMs are located and which networks the ATMs belong to. If your bank doesn’t belong to the Allpoint network, it should tell you how to find other fee-free ATMs that are in-network for the bank. Some banks also reimburse ATM fees you pay elsewhere, and a few make those reimbursements unlimited.
» MORE: Best banks to avoid ATM fees
Major financial institutions that use the Allpoint network
A number of major banks and neobanks are part of the Allpoint network. This isn’t an exhaustive list, but the following financial institutions allow their customers to use the Allpoint network without fees.
What to know about neobanks
A neobank such as Chime or Revolut is a third-party banking technology platform that partners with banks to provide accounts to customers. Funds deposited at a neobank are ultimately held at the partner banks. The funds are FDIC insured in the event of the partner bank’s failure and only if the neobank maintained accurate deposit records.
Credit unions use Allpoint too. PenFed Credit Union and Lake Michigan Credit Union are two examples.
See more information from Chime®
Chime says: “Chime is a financial technology company, not a bank. Banking services and debit card provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC, pursuant to a license from Visa U.S.A., Inc. and may be used everywhere Visa debit cards are accepted.”
See more information from SoFi®
SoFi says: We've partnered with Allpoint to provide you with ATM access at any of the 55,000+ ATMs within the Allpoint network. You will not be charged a fee when using an in-network ATM, however, third-party fees may be incurred when using out-of-network ATMs. SoFi's ATM policies are subject to change at our discretion at any time.”
