Allpoint is a network of ATMs run by independent banks and retailers, not a single company

Allpoint is a shared ATM network that lets you withdraw cash at machines owned by different banks and retailers across the United States and in over 55 countries. You do not need an account with any particular bank to use an Allpoint machine — you use your debit card from your own bank, and your bank handles the transaction. The network includes ATMs inside grocery stores, pharmacies, convenience stores, and bank branches.

The key difference between Allpoint and a single-bank ATM network is that Allpoint machines are spread across many different businesses and financial institutions. This means you are more likely to find one near you, especially if you bank with a smaller or online-only bank that does not have its own branch network. Your bank may charge you a fee for using an out-of-network ATM, or it may not — that depends on your bank's policy, not on Allpoint itself.

Allpoint does not hold your money, process your account, or set withdrawal limits. Your own bank does all of that. Allpoint straightforward provides the physical machine and the connection between your bank and the cash dispenser.

Key Takeaways

  • Allpoint machines are owned by different banks and retailers but connected through a single network, so you can withdraw cash using your debit card from any participating location.
  • Whether you pay a fee depends on your bank's policy, not on Allpoint — some banks charge out-of-network fees, and some do not.
  • You can find Allpoint ATMs using the Allpoint locator tool on their website or mobile app, which shows you the nearest machines and their locations.
  • Allpoint operates in over 55 countries, so if you travel internationally, you may be able to use Allpoint machines abroad to withdraw local currency.
  • Allpoint machines work the same way as any other ATM — insert your card, enter your PIN, and select your withdrawal amount.

How to find an Allpoint ATM near you

The fastest way to find an Allpoint machine is to visit the Allpoint website and use their ATM locator tool. You enter your address, city, or ZIP code, and the tool shows you all nearby Allpoint machines, their exact addresses, and what type of business they are in — grocery store, pharmacy, bank branch, or convenience store. The locator also tells you the hours each location is open.

Allpoint also has a mobile app for iPhone and Android that includes the same locator feature. The app can use your phone's location to show you the closest machines without typing in an address. Some banks that partner with Allpoint also display Allpoint machines in their own mobile banking apps, so check your bank's app first — you may not need to read a separate tool.

When you search, the locator shows you the business name and address. For example, you might see "Allpoint ATM at CVS Pharmacy, 456 Main Street" or "Allpoint ATM at Wells Fargo, 789 Oak Avenue." This tells you exactly where to go and what you will see when you arrive.

Fees and what your bank charges

Allpoint itself does not charge you a fee to use its network. However, your bank may charge you an out-of-network ATM fee if you withdraw cash from an Allpoint machine that is not run by your bank. This fee typically ranges from $1 to $3 per transaction, but the exact amount depends on your bank and your account type.

Some banks do not charge out-of-network fees at all. Online banks like Ally, Charles Schwab, and Fidelity often reimburse out-of-network ATM fees or do not charge them in the first place. Traditional banks like Chase, Bank of America, and Wells Fargo usually charge a fee unless you maintain a high account balance or have a premium account. Check your bank's website or call customer service to find out what your bank charges.

The ATM machine itself will usually tell you the fee before you complete the withdrawal. The screen will show you the amount you are withdrawing and ask if you want to proceed. At that point, you can cancel if you do not want to pay the fee. Some machines also charge a separate fee on top of your bank's fee — this is called a surcharge — but Allpoint machines typically do not do this.

Using Allpoint machines while traveling internationally

Allpoint operates ATM networks in over 55 countries, including Canada, Mexico, the United Kingdom, Australia, and many others. If you are traveling abroad and need cash, you can use an Allpoint machine to withdraw money in the local currency. The exchange rate and any international fees are set by your bank, not by Allpoint.

Before you travel, contact your bank to let them know you will be using ATMs overseas. Many banks flag international transactions as fraud if they are not expecting them, which can temporarily block your card. Your bank can also tell you which countries have Allpoint coverage and what international ATM fees you will pay.

The Allpoint locator tool works internationally — you can search for machines in other countries before you travel or while you are there. Keep in mind that some countries have different ATM standards or security features, so your card may not work at every machine even if it is part of the Allpoint network. Your bank can tell you which countries and machines are compatible with your card.

What happens if an Allpoint machine does not work

If an Allpoint ATM rejects your card, does not dispense cash, or displays an error message, the problem could be with the machine, your card, your bank's system, or your account. First, try a different Allpoint machine to see if the problem is specific to that location. If a second machine also rejects your card, contact your bank's customer service line — they can tell you whether your card is blocked, whether there is a technical issue with your account, or whether your bank is having system problems.

If the machine takes your card or does not return it, do not leave the location. Call your bank when ready from the ATM's phone number (usually displayed on the screen) or use your mobile phone to reach customer service. Your bank can remotely cancel the card to prevent fraud and arrange for the machine's owner to return it to you or destroy it.

If the machine dispenses the wrong amount of cash or does not dispense cash but debits your account, report it to your bank within one business day. Your bank will investigate and credit your account if the error is confirmed. Keep your receipt as proof of the transaction.

Allpoint versus your bank's ATM network

Most banks run their own ATM networks in addition to participating in shared networks like Allpoint. Using your bank's own ATM is usually free, even if you are not at a branch location. Using an Allpoint machine or another bank's ATM may cost you a fee, depending on your bank's policy.

If you bank with a large national bank like Chase or Bank of America, you probably have access to thousands of free ATMs through your bank's own network. In that case, Allpoint is most useful when you are traveling to a remote area or a different country where your bank does not have machines. If you bank with a smaller or online-only bank, Allpoint may be your primary way to withdraw cash without paying a fee, especially if your bank has partnered with Allpoint to reimburse out-of-network fees.

Check your bank's website or account terms to see which ATM networks your bank participates in and whether you have any out-of-network fee waivers. Some banks offer unlimited out-of-network ATM fee reimbursement as part of premium checking accounts or if you maintain a certain balance.

Security and safety at Allpoint machines

Allpoint machines use the same security standards as other ATMs — they encrypt your PIN, they do not store your card information, and they are monitored by the business that owns them. However, because Allpoint machines are located in retail stores and other public places, they may be in higher-traffic areas than bank ATMs. Use the same precautions you would at any ATM: shield the keypad when you enter your PIN, check the machine for signs of tampering before you use it, and do not count your cash at the machine.

If you notice anything unusual about an Allpoint machine — a loose card reader, a cracked screen, or a keypad that does not feel right — do not use it. Report the problem to the business that owns the machine or contact Allpoint through their website. Skimming devices are rare but possible, and it is better to find another machine than to risk your card information.

Frequently Asked Questions

Do I need an Allpoint account to use the machines?

No. You use your own bank's debit card to withdraw cash from an Allpoint machine. Allpoint does not hold accounts or issue cards. You only need a valid debit card from any bank that participates in ATM networks.

Can I deposit cash or checks at an Allpoint machine?

Most Allpoint machines only dispense cash — they do not accept deposits. Some machines in bank branches may have deposit functions, but this varies by location. Check the locator tool or call the specific location to confirm what services are available.

What should I do if an Allpoint machine charges me a fee I did not expect?

Contact your bank within one business day. If your bank does not normally charge out-of-network fees or if the fee amount is wrong, your bank can investigate and refund the charge. Keep your receipt as proof of the transaction and the fee amount.

Are Allpoint machines available 24/7?

Most Allpoint machines are available 24/7, but some are located inside retail stores that close at night. The Allpoint locator tool shows the hours for each machine, so check before you go if you need cash outside normal business hours.

Can I withdraw money in a different currency at an Allpoint machine overseas?

Yes. Allpoint machines in other countries dispense cash in the local currency. Your bank sets the exchange rate and any international fees. Contact your bank before traveling to find out what the rates and fees will be.