ATM fees can add up fast — especially if you’re withdrawing cash outside your bank’s network. The good news? Several nationwide ATM networks now offer fee-free access through partnerships with major banks, credit unions, and prepaid cards. In this guide, you’ll learn which networks provide no-fee withdrawals, where to find them, and how they compare in convenience and coverage.
What Is a No-Fee ATM Network?
A no-fee ATM network allows you to withdraw cash from thousands of machines without paying out-of-network or surcharge fees. Instead of each financial institution running its own small network, these systems — such as Allpoint, MoneyPass, and Co-op — connect multiple banks and credit unions together. That means you can use another member bank’s ATM just like your own.
- Allpoint Network: Over 55,000 surcharge-free ATMs across retail locations nationwide.
- MoneyPass Network: 40,000+ ATMs, mostly near banks, gas stations, and grocery stores.
- Co-op Network: 30,000+ ATMs and 5,600 credit union branches in the U.S. and Canada.
1. Allpoint ATM Network
The Allpoint Network is one of the largest surcharge-free systems in the U.S. It partners with major retailers — including CVS, Walgreens, Target, and Kroger — to make cash access simple for everyday shoppers. You’ll find Allpoint machines in more than 60,000 locations worldwide, and many operate 24/7.
- Over 55,000 fee-free ATMs in all 50 states.
- Supports debit, prepaid, and credit cards from participating banks.
- Common retail locations include Walgreens, Target, and Circle K.
- Available in the U.S., U.K., Canada, and Mexico.
You can confirm whether your card participates using the Allpoint locator. Simply enter your ZIP code or allow GPS access to see nearby machines.
2. MoneyPass ATM Network
The MoneyPass Network provides surcharge-free access at thousands of bank-based ATMs. It’s commonly used by regional banks, community institutions, and prepaid debit cards. Unlike Allpoint, most MoneyPass ATMs are found near financial institutions or convenience stores rather than big-box retailers.
- 40,000+ fee-free ATMs across the United States.
- Strong presence in community banks and credit unions.
- Offers cash withdrawals and balance inquiries without fees.
- Ideal for customers who prefer traditional bank surroundings.
Check availability using the official MoneyPass ATM locator or your bank’s mobile app. Many smaller banks and online platforms — like Chime and Green Dot — rely on MoneyPass for customer access.
3. Co-op ATM Network
The Co-op Network is primarily used by credit unions, giving members nationwide fee-free access. With more than 30,000 ATMs and thousands of shared branches, it’s one of the most robust cooperative systems available. Members can perform transactions, deposits, and balance checks at any participating credit union branch or ATM.
- Operated by America’s credit unions for shared member access.
- Includes 5,600 branch locations and 30,000 ATMs.
- Supports cash withdrawals, deposits, and account inquiries.
- Also available in Puerto Rico and Canada.
Use the Co-op ATM locator to find participating credit unions and nearby machines.
Comparing Allpoint, MoneyPass & Co-op
| Feature | Allpoint | MoneyPass | Co-op |
|---|---|---|---|
| Primary Users | Retail Banks & Prepaid Cards | Community Banks & Online Platforms | Credit Union Members |
| ATM Count (U.S.) | 55,000+ | 40,000+ | 30,000+ |
| Fee-Free Withdrawals | ✔ | ✔ | ✔ |
| Deposit Functionality | Limited | Moderate | Widespread |
| Retail Access | Excellent | Moderate | Low |
| International Reach | Yes | No | Canada, Puerto Rico |
How to Find a No-Fee ATM Near You
The easiest way to locate a surcharge-free ATM is by using your network’s official locator app or map. Most digital banking apps also display “in-network” ATMs automatically. If you’re unsure which network your card belongs to, look for small logos on the back of your debit card — Allpoint, MoneyPass, or Co-op.
You can also search using our dedicated tool for surcharge-free ATMs near you. It lists active no-fee locations by network and region.
Tips to Avoid ATM Fees Altogether
- Use ATMs inside your network or partner networks.
- Withdraw larger amounts less frequently to minimize usage fees.
- Link your bank account to mobile payment apps for digital cash access.
- Confirm withdrawal limits before traveling to avoid international surcharges.
According to NerdWallet, the average out-of-network ATM fee in 2025 is over $4.50 per transaction. Using a no-fee network keeps that money in your pocket instead of losing it to unnecessary charges.
Final Thoughts
No-fee ATM networks like Allpoint, MoneyPass, and Co-op are helping consumers keep more of their own cash by reducing hidden banking costs. Whether you bank with a credit union, an online provider, or a national brand, joining one of these networks ensures easy, fee-free access wherever you go.
Before your next withdrawal, check your card’s network and locate an ATM near you with no fees. It’s a quick way to save money — and a habit worth keeping.