Allpoint is the largest surcharge-free ATM network in the United States, with over 55,000 ATMs at retail locations nationwide and in select international markets. Cardholders whose bank participates in Allpoint can withdraw cash at any Allpoint ATM without paying a surcharge. The network is a cornerstone of the online banking model — most digital-only banks use Allpoint as their primary ATM access method rather than maintaining their own machines.
For a complete overview of ATM networks, fees, and withdrawal limits, see the ATM Guide 2026.
What Is Allpoint?
Allpoint is a shared ATM network that eliminates surcharges for participating cardholders. When you use an Allpoint ATM and your bank is a network member, you pay no operator surcharge — the largest single ATM fee. Allpoint ATMs are embedded in high-traffic retail locations, meaning you can access cash at stores you already visit.
Key numbers:
- 55,000+ ATMs in the US
- International presence in the UK, Canada, Australia, Mexico, and Puerto Rico
- Major retail partners: CVS, Walgreens, Target, Costco, 7-Eleven, Kroger, Speedway, Circle K
The Allpoint logo appears on participating ATMs. The network is operated by NCR Atleos (formerly Cardtronics).
Where Allpoint ATMs Are Located
| Retail Partner | Allpoint Availability |
|---|---|
| CVS Pharmacy | Widespread — most locations |
| Walgreens | Most locations |
| Target | Most locations |
| Costco | Select warehouse locations |
| 7-Eleven | Many locations nationwide |
| Kroger / Safeway | Select locations |
| Speedway | Select locations |
| Circle K | Select locations |
To find your nearest Allpoint ATM, use the locator at allpointnetwork.com or your bank’s app. For step-by-step search instructions, see Allpoint ATMs near me.
Banks and Credit Unions That Use Allpoint
Allpoint is especially popular with online-only banks that have no physical ATM network of their own. Major participants include:
| Institution | Account Type |
|---|---|
| Ally Bank | Spending (checking) account |
| Capital One 360 | Checking accounts |
| Chime | Spending account |
| SoFi | Checking and savings |
| Varo Bank | Checking account |
| Dave | Spending account |
| Current | Spending account |
| Many federal credit unions | Checking accounts |
Because these banks have no proprietary ATMs, Allpoint access is core to their value proposition — not an add-on. Some also offer reimbursements for non-Allpoint ATM fees, giving users a double safety net.
Allpoint vs. MoneyPass
| Feature | Allpoint | MoneyPass |
|---|---|---|
| ATMs in US | ~55,000 | ~40,000 |
| International ATMs | Yes | Limited |
| Common retail locations | CVS, Target, Costco | Walgreens, 7-Eleven, Kroger |
| Typical bank participants | Online banks, digital-first | Community banks, credit unions |
Allpoint is larger and has international reach. MoneyPass is more commonly found at community banks. The right network for you depends on your bank’s participation. See the MoneyPass ATMs guide for details on that network.
Does Allpoint Eliminate All ATM Fees?
Allpoint eliminates the operator surcharge — the fee the ATM owner charges. Two distinct fee types apply at every ATM:
| Fee Type | Who Charges It | Allpoint Effect |
|---|---|---|
| ATM surcharge | ATM owner | Waived at Allpoint ATMs for members |
| Out-of-network fee | Your bank | Depends on your account terms |
Most banks that use Allpoint as their primary network do not charge their own out-of-network fee at Allpoint machines — since Allpoint IS their network. But verify with your bank. For accounts that go further and reimburse fees at any ATM worldwide, see banks that reimburse ATM fees.
Using Allpoint Internationally
Allpoint ATMs in Canada, the UK, Australia, Mexico, and Puerto Rico may be surcharge-free for eligible cardholders, depending on your bank’s international policy. Some key points:
- International transactions may still incur a foreign transaction fee (1–3%) from your bank
- Confirm with your bank whether international Allpoint use is included in your benefits
- Ally and most other major Allpoint participants focus on domestic use; check before traveling
- Schwab Investor Checking reimburses ATM fees worldwide — a strong alternative if you travel frequently
How to Use an Allpoint ATM
- Find an Allpoint ATM using allpointnetwork.com or your bank’s app
- Insert or tap your debit card at the machine (look for the Allpoint logo)
- Enter your PIN and select your withdrawal amount
- Check the fee disclosure screen — if a surcharge appears, your card may not be recognized as Allpoint-eligible; cancel and contact your bank
- Complete the transaction — no surcharge should post for eligible cardholders
Your standard daily ATM withdrawal limit and bank-specific limits apply regardless of whether you’re at an Allpoint ATM.
Bottom Line
Allpoint’s 55,000+ ATM network is the largest surcharge-free option in the US and the backbone of the online banking ATM model. If your bank participates — and most major digital banks do — you have fee-free access to machines in virtually every CVS, Target, and Walgreens in the country. For cash needs outside the Allpoint network, check whether your bank also offers ATM fee reimbursement as a fallback.
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