• Banking at ATMs

    ATMs help make banking – and life – easier.

    Find an ATM
    Learn about Plus Alliance

You can get ATM surcharge-free access to thousands of participating ATMs across the U.S. if your financial institution and card are part of the Plus Alliance network. Your financial institution may charge an out-of-network fee when you use a Plus Alliance ATM. Please check with your financial institution for more information.

Withdrawing cash with no ATM surcharge fee

Taking cash from a surcharge-free ATM transaction.

Avoiding ATM surcharges

Skip the ATM surcharge fee. Look for Plus Alliance ATM surcharge-free ATMs in convenient, everyday retail locations. See a list of participating financial institutions.

Woman using card for ATM transaction in front of a store.

Conveniently located

Looking for an ATM surcharge-free ATM? Plus Alliance network ATMs are found at many retailers where you may already shop, including various Bi-Lo, Costco, CVS, GetGo, Target, Walgreens and Winn-Dixie locations.

A dollar sign inside a circle and arrows going opposite directions.

Value

Perception: Exchanging currency at home can save money.

Observation: Getting cash from an ATM abroad can be less expensive compared to exchanging currency at home.

Globe with a geolocation mark.

Convenience

Perception: ATMs are hard to find and use abroad.

Observation: With over 2 million global locations, ATMs are readily accessible — around the world.

Lock.

Security

Perception: It’s best to convert money before you travel.

Observation: It can be safer to withdraw cash when you need it from an ATM abroad instead of taking large amounts of money with you on your trip.

For everyday banking needs, skip the line. Many ATMs have the service you’re looking for.

Man making a cash deposit at an ATM.

Make convenient deposits

Deposit cash or checks at participating ATMs — even if it doesn’t belong to your financial institution.

Customer using PIN pad to change card PIN at the ATM.

Change your PIN

How do you change your PIN number? It can be simple at the ATM.

Woman inserting Visa card at an ATM.

Transfer money between accounts

Have accounts at the same financial institution? Make a money transfer between accounts quickly at a participating ATM.

ATM customer getting account mini statement.

Retrieve a mini statement

View or print your recent transactions at a nearby ATM.

Get the answers to frequently asked questions.

If you’re traveling internationally, using an ATM can be a great way to withdraw currency quickly. Plus, it usually costs less. For questions about fees, talk to your financial institution.

ATM cash withdrawal limits vary from account to account. Check with your bank or credit union representative to see what applies your account.

There are many reasons to make deposits at the ATM, such as:

  • Save time by avoiding teller lines.
  • There is usually ATM access 24 hours a day, 365 days a year.
  • Deposits made on or before the ATM cut-off time may get same-day credit (talk to your financial institution about its cut-off times).
  • Depositing a check is convenient. An ATM may not require slips or envelopes just insert your cash or checks. Plus, the check image and cash summaries may be available on your receipt.

If your U.S. financial institution and your card are part of the Plus Alliance Network, you can get surcharge-free access to thousands of ATMs at top retailers and other convenient locations across the U.S.

Many bank machines have the ability to switch language preferences. For an ATM near you that can, use our ATM locator.

To ensure account access during your trip, let your financial institution know about your travel plans. It’s also wise to have at least one other card with you, just in case.

ATM transaction fees are common while traveling internationally. Withdraw your foreign currency from an ATM overseas and you can save on money-changing fees. It’s often costs less to do this instead of converting money at your financial institution or currency converter.

To receive a refund for a surcharge, contact your financial institution to initiate a claim. They will likely need to know the date, time, location and amount of your transaction so keeping your receipt can expedite your refund.

Having cash on hand is convenient, but carrying large amounts of cash can be unsafe. Most ATMs are conveniently located in large cities, so you can access your money easily. If your trip is in a more remote location, use the Global ATM Locator to find an ATM near you.

Using an ATM while traveling is a great option. Even with an international transaction fee, it’s often less expensive to withdraw the country’s currency than converting money at an overseas airport.

See the full Plus Alliance Network list

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