How To Find a Free ATM Near You: Allpoint, MoneyPass, CO-OP Financial Services and More

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Want to find a free ATM near you? With ATM fees rising each year, it’s more important than ever to find a network of fee-free ATMs near where you live, work and play.

Here’s Where To Look for Free ATMs Near You

Isn’t it annoying when you go to an ATM while you’re out and about only to face a big fee to access your own money?

According to, the average fee for an out-of-network ATM withdrawal reached $4.66 in mid-2022, which is the highest amount since 2019.

Think about this: If you took out cash each week for a year and paid that fee every time, you’d rack up $242 in annual fees.

Here at, we don’t want you to do that! That’s why we’ve compiled this list of fee-free ATM networks that won’t charge an ATM surcharge on their end for you to get your own cash.

However, we should note that foreign ATM fees (also known as out-of-network fees) may still apply if your bank or credit union doesn’t have a partnership in place with these free ATM networks. Check with your financial institution to be sure.

Table of Contents

Overview: Locate a Free ATM Near You

Finding an ATM network that won’t hit you with an ATM surcharge fee when you use one of their machines is easy. Just remember that your own bank may still separately assess an out-of-network fee.

ATM NetworkSelect LocationsLocator Tool
AllpointCircle K, CVS Pharmacy, Speedway, Walgreens and more
CO-OP Financial ServicesCostco Wholesale, Circle K, Dunkin Donuts, Publix, Rite-Aid, select credit unions
MoneyPass7-Eleven, select credit unions and community banks
Plus AllianceBi-Lo, Costco Wholesale, CVS Pharmacy, Get Go, Target, Walgreens, Winn-Dixie


With more than 55,000 machines, Allpoint is the largest of the networks that are ATM surcharge-free in the nation. But the Allpoint ATM network doesn’t end at our borders: You can also find locations in Canada, the United Kingdom, Puerto Rico, Australia and Mexico.

Need to find an Allpoint ATM on the fly? Just search online on the Allpoint website or download the free mobile app.

Or you can stop by any of their retail partners:

  • Circle K
  • CVS Pharmacy
  • Kroger
  • Safeway
  • Speedway
  • Target
  • Walgreens
  • Winn Dixie

CO-OP Financial Services

With more than 30,000 ATMs nationwide, CO-OP Financial Services has a heavy focus on free ATMs for credit union members. However, it also has a partnership with several retailers to offer cash with no ATM surcharges on their end.

  • 7-Eleven
  • Circle K
  • Costco Wholesale
  • Publix
  • Dunkin Donuts
  • Rite-Aid

Use the locator online to find a CO-OP ATM near you or try downloading the free CO-OP app for iOS and Android.


MoneyPass has a network of more than 37,000 fee-free ATMs nationwide in U.S. and Puerto Rico. More than 7,900 locations at 7-Eleven make the convenience store chain its main retail partner. But MoneyPass also works widely with select credit unions and community banks.

To find a MoneyPass ATM near you, just use the locator online or download the free app.

Plus Alliance

Plus Alliance is unique among ATM networks because it’s available only to cardholders whose Visa ATM or debit card has a Plus Alliance logo on the back of it.

Retail partners include:

  • Bi-Lo
  • Costco Wholesale
  • CVS Pharmacy*
  • Get Go
  • Target
  • Walgreens*
  • Winn-Dixie

* Select locations only

To find a Plus Alliance ATM near you, simply use the online locator tool. Unfortunately, there is no free mobile app option.

Final Thought

Finding an ATM that won’t charge you an ATM surcharge fee (also known as a foreign ATM fee or out-of-network fee) is easy if you know where to look. It’s your money and you’re going to have to fight to keep more of it in your wallet.

Meanwhile, some financial institutions actually pride themselves on not nickel-and-diming their customers. These include a lot of online banks. Check out our best online banks article and consider moving your money today!