MoneyPass is a shared ATM network that lets you withdraw cash at thousands of machines without paying your bank's out-of-network fee

MoneyPass is a network of ATMs owned and operated by different banks and credit unions across the United States. When your bank or credit union is part of the MoneyPass network, you can use any MoneyPass ATM to withdraw cash as if it were your own bank's machine — meaning no surcharge from the network operator. Your own bank may still charge you a fee depending on your account type, but MoneyPass itself does not add an extra cost on top.

MoneyPass machines are located inside and outside retail stores, gas stations, grocery stores, and other businesses. The network includes over 40,000 ATMs in all 50 states. If your financial institution participates, you can find participating machines through the MoneyPass website locator or through your bank's mobile app.

Not every bank or credit union is part of MoneyPass. Some use other networks like Allpoint, Surcharge-Free Network, or CO-OP. Check with your bank to confirm whether MoneyPass is available to you and whether you have surcharge-free access.

Key Takeaways

  • MoneyPass is a network of over 40,000 ATMs across the United States that member banks and credit unions can use without paying a surcharge to the network.
  • Your bank or credit union must be a MoneyPass member for you to use the network surcharge-free; not all financial institutions participate.
  • You can locate MoneyPass ATMs through the MoneyPass website, your bank's app, or by searching for partner retailers like CVS, Walgreens, and grocery store chains.
  • Even with MoneyPass access, your own bank may charge you a fee depending on your account type, so check your account terms.
  • If your bank is not part of MoneyPass, you may have access to a different surcharge-free network or may pay out-of-network fees when you withdraw cash elsewhere.

How to find a MoneyPass ATM near you

The fastest way to locate a MoneyPass machine is through the MoneyPass ATM locator on the MoneyPass website. Enter your address or zip code, and the tool shows nearby machines, their exact locations, and whether they are inside or outside a business. You can also see the business name and hours.

Many banks and credit unions that participate in MoneyPass also display MoneyPass locations in their own mobile apps. Open your bank's app, look for the ATM locator or cash withdrawal tool, and search for MoneyPass machines. This method often shows your bank's own ATMs first, then MoneyPass partners nearby.

MoneyPass machines are commonly found at CVS, Walgreens, Kroger, Safeway, Albertsons, Rite Aid, and many independent grocery stores and convenience stores. If you are at a retail location and see an ATM, check the machine itself — it will display the MoneyPass logo if it is part of the network.

Which banks and credit unions are part of MoneyPass

MoneyPass includes hundreds of banks and credit unions, ranging from large regional institutions to small community banks. Some of the larger participants include Axion Bank, Flushing Bank, Ponce Financial Group, and various credit unions across different states. However, the network is constantly changing as institutions join or leave.

The most reliable way to confirm whether your bank or credit union is part of MoneyPass is to contact them directly or check their website. Call the customer service number on the back of your debit card or log into your online banking portal and search for "ATM network" or "surcharge-free ATMs." Your bank will tell you which network or networks you can use without paying a surcharge.

If your bank is not part of MoneyPass, ask whether it participates in another network. Many banks belong to CO-OP (which serves credit unions), Allpoint, or Surcharge-Free Network. Some banks also have reciprocal agreements with other banks' ATMs. Knowing your options helps you avoid unexpected fees.

What fees you might still pay even with MoneyPass

MoneyPass does not charge you a surcharge for using its network if your bank is a member. However, your own bank may still charge you a fee depending on your account type. Some checking accounts include unlimited surcharge-free withdrawals at MoneyPass machines, while others charge a small fee per out-of-network withdrawal regardless of the network.

Read your account agreement or call your bank to understand your specific terms. Some banks waive out-of-network fees for all customers. Others waive them only for premium accounts or accounts with a minimum balance. A few charge a fee every time you use an ATM outside their own network, even if that ATM is part of MoneyPass.

The machine itself will display any fee before you complete the withdrawal. You have the option to cancel the transaction if you do not want to pay. Always review the fee disclosure screen before confirming your withdrawal.

MoneyPass versus other ATM networks

MoneyPass is one of several large surcharge-free networks in the United States. CO-OP is the largest network by machine count and primarily serves credit unions. Allpoint focuses on retail locations and has machines in grocery stores and convenience stores. Surcharge-Free Network serves regional banks and credit unions, particularly in the Midwest and South.

The network your bank uses depends on which one it joined. You cannot choose to use a different network if your bank is not a member. Some banks belong to multiple networks, which gives you more machine options. Check your bank's website or app to see which networks are available to you.

If you travel frequently or move to a different region, knowing which network your bank uses matters. A bank that is part of MoneyPass in one state may not have machines in another state where MoneyPass is less common. Before opening an account or switching banks, ask about ATM network access in the areas where you live and travel.

What to do if you cannot find a MoneyPass ATM

If you are in a location where MoneyPass machines are not nearby, you have a few options. First, check whether your bank is part of another network and whether machines from that network are available. Second, use your bank's own ATM if you can reach one — your bank will not charge you a surcharge for using its own machines.

Third, you can withdraw cash at a retail store. Many grocery stores, pharmacies, and convenience stores offer cash back when you make a purchase with your debit card. This is free and does not require an ATM. Fourth, if you must use an out-of-network ATM, you will likely pay a surcharge from both the ATM operator and possibly your bank. The fee is usually between $2 and $3 per withdrawal.

If you find yourself regularly paying out-of-network fees, consider switching to a bank that is part of a larger network or that has more branches in your area. Online banks often participate in large networks to make up for having no physical branches.

Frequently Asked Questions

Can I use a MoneyPass ATM if my bank is not part of the network?

No. If your bank is not a MoneyPass member, you will pay an out-of-network surcharge when you use a MoneyPass machine. The surcharge comes from the MoneyPass operator, and your bank may add its own fee on top. Contact your bank to find out which network you can use surcharge-free.

Does MoneyPass charge me a fee to use its machines?

MoneyPass itself does not charge a surcharge if your bank is a member. However, your bank may charge you a fee depending on your account type. Always check the fee disclosure on the ATM screen before completing your withdrawal.

How many MoneyPass ATMs are there?

MoneyPass operates over 40,000 ATMs across all 50 states. The exact number changes as the network adds and removes machines. Use the MoneyPass locator tool to see current machine locations in your area.

What if the MoneyPass ATM is broken or out of cash?

If a machine is not working, try another MoneyPass location nearby using the locator tool. You can also use your bank's own ATM or withdraw cash at a retail store. Report broken machines to MoneyPass through their website so they can repair or service them.

Can I deposit checks or make transfers at a MoneyPass ATM?

Most MoneyPass ATMs are cash withdrawal machines only. Some machines at retail locations may offer additional services, but this varies by location. Check the machine itself or call your bank to confirm what services are available at a specific MoneyPass ATM.