Banks and credit unions in the Allpoint network

Allpoint is a network of ATMs owned and operated by participating banks and credit unions that let their customers withdraw cash without paying a fee at any machine in the network. The network includes over 55,000 ATMs worldwide, with roughly 30,000 in the United States. Your bank or credit union is part of Allpoint if it has signed an agreement to let its customers use those machines.

The participating institutions vary by region and change over time as banks join or leave the network. Rather than listing every bank (which would be incomplete within weeks), the fastest way to know if your bank is included is to check your account agreement, call your bank's customer service line, or search the Allpoint locator tool on their website with your bank's name. That tool shows you which ATMs near you are available to your account.

Some of the larger banks and credit unions known to participate include Ally Bank, Charles Schwab Bank, Discover Bank, and various regional credit unions and community banks. However, major national banks like Chase, Bank of America, and Wells Fargo typically run their own ATM networks and do not participate in Allpoint, though their customers may have other fee-free options through their own bank's machines.

Key Takeaways

  • Allpoint membership means your bank or credit union has agreed to let you withdraw cash fee-free at any of the network's 55,000+ ATMs worldwide.
  • The easiest way to confirm your bank is part of Allpoint is to search your bank's name in the Allpoint ATM locator on their website or call your bank directly.
  • Online banks and smaller credit unions are more likely to be Allpoint members than large national banks, which typically operate their own ATM networks.
  • Participation changes over time, so checking your account agreement or contacting your bank is more reliable than relying on a static list.

How to find Allpoint ATMs near you

The Allpoint website has a map-based ATM locator where you can enter your location or address and see which machines are nearby. You do not need to log in or provide account information to use it. The locator shows the address, hours, and sometimes a photo of each ATM location.

Many banks that participate in Allpoint also display Allpoint ATM locations within their own mobile app or website. If your bank is a member, you can often search for fee-free ATMs directly from your bank's app without visiting Allpoint's site separately. Check your bank's app first—it may be faster than the standalone locator.

What happens if your bank is not in the network

If your bank does not participate in Allpoint, you will pay an out-of-network fee (usually $2 to $3) when you withdraw cash from an ATM that is not owned by your bank. Some banks reimburse out-of-network fees up to a certain amount per month, so check your account agreement to see if yours does.

If out-of-network fees are a concern, you have a few options: switch to a bank that is part of Allpoint, use only your bank's own ATMs, or look for a bank that reimburses fees. Many online banks and credit unions participate in Allpoint specifically because they have fewer physical branches and want to offer customers wide ATM access.

Allpoint membership for online banks and credit unions

Online banks with no physical branches almost always join Allpoint or a similar network because customers need a way to withdraw cash. Banks like Ally, Charles Schwab, and Discover are Allpoint members for this reason. Credit unions, especially smaller ones, frequently join Allpoint to give members access to ATMs beyond their own branches.

If you are considering switching to an online bank or credit union, check whether it participates in Allpoint before you open an account. The fee-free ATM access is often one of the main reasons people choose these institutions over traditional banks with limited branch networks.

Allpoint versus other ATM networks

Allpoint is one of several ATM networks. MoneyPass and Surcharge-Free Network (also called CO-OP for credit unions) are two others. A bank might be part of one network, multiple networks, or none at all. Your bank's agreement determines which networks your card works in.

If your bank is part of multiple networks, you have more ATM options. Some banks promote this as a feature—for example, a credit union might advertise that it is part of both Allpoint and CO-OP, giving members access to both networks' machines. When comparing banks, ask not just whether they are in Allpoint, but which networks they participate in overall.

International Allpoint ATM access

Allpoint operates ATMs in over 200 countries and territories, so if you travel internationally, you may be able to withdraw cash fee-free at Allpoint machines abroad. However, your bank must support international withdrawals on your card, and you should confirm this before traveling. Some banks restrict international transactions by default for security reasons.

Even if your bank is part of Allpoint, international ATM withdrawals may still incur a foreign exchange fee or currency conversion charge from your bank—this is separate from the Allpoint network fee. Check your bank's foreign transaction policy before you travel.

Frequently Asked Questions

How do I know if my bank uses Allpoint?

Search your bank's name in the Allpoint ATM locator at allpointnetwork.com, or call your bank's customer service number and ask directly. You can also check your account agreement or the bank's website for a list of ATM networks it participates in.

Do I pay a fee to use an Allpoint ATM if my bank is a member?

No. If your bank is part of Allpoint, you withdraw cash fee-free at any Allpoint machine. The network fee is covered by your bank's membership agreement. Your bank may charge other fees (like overdraft fees) but not for using an Allpoint ATM.

Can I use Allpoint ATMs if my bank is not a member?

You can physically use the machine, but you will pay an out-of-network fee, usually $2 to $3. Allpoint membership is what makes the withdrawal free. If your bank is not a member, you are charged as an out-of-network customer.

What if I cannot find an Allpoint ATM near me?

Use the Allpoint locator to search a wider area, or contact your bank to ask about other fee-free ATM options it offers. Some banks participate in multiple networks or have partnerships with other banks' ATMs. Your bank may also reimburse out-of-network fees, which can offset the cost if you need cash urgently.

Does Allpoint charge my bank a fee for my withdrawal?

No. Allpoint does not charge individual customers a fee for using the network. Your bank pays Allpoint to be part of the network, and that cost is built into your bank's business model. You do not see a separate charge.