MoneyPass is a surcharge-free ATM network with over 40,000 ATMs across the United States. Cardholders whose bank participates in MoneyPass can withdraw cash at any MoneyPass ATM without paying the machine’s surcharge — the most common ATM fee. MoneyPass ATMs are embedded in major retail chains including Walgreens, 7-Eleven, Kroger, Casey’s, and Speedway, making them accessible in most cities and suburbs.
For a full overview of ATM networks, fees, and withdrawal limits, see the ATM Guide 2026.
What Is the MoneyPass Network?
MoneyPass is a shared surcharge-free ATM network. When you use an ATM within the network and your bank is a MoneyPass participant, the ATM owner waives the surcharge it would normally charge non-customers. This eliminates the largest component of ATM costs — the operator surcharge, which averages $2.50–$5.00 per withdrawal at non-bank ATMs.
How it works:
- Your bank joins the MoneyPass network
- You use a MoneyPass-branded ATM
- The ATM does not charge you a surcharge
- Your bank may or may not charge its own out-of-network fee — check your account terms
The MoneyPass logo appears on participating ATMs and on the back of participating bank cards.
Where MoneyPass ATMs Are Located
MoneyPass ATMs are located at major US retail chains rather than standalone bank branches, which means they’re available even in areas without a bank on every corner.
| Retail Chain | MoneyPass Availability |
|---|---|
| Walgreens | Widespread — most locations |
| 7-Eleven | Many locations nationwide |
| Kroger / Fred Meyer | Select locations |
| Casey’s General Stores | Many Midwest locations |
| Speedway | Select locations |
| Circle K | Select locations |
| Exxon / Mobil | Select locations |
| Some credit union branches | Varies by institution |
The best way to find your nearest MoneyPass ATM is the MoneyPass ATM locator at moneypass.com/atm-locator.html or your bank’s in-app ATM finder. See also the MoneyPass ATMs near me guide for step-by-step search instructions.
Which Banks Use MoneyPass?
MoneyPass participation includes many community banks, credit unions, and some regional and national banks. Because participation changes over time, always confirm with your bank directly. Notable participants have included:
- USAA Bank — offers MoneyPass access to members
- TD Bank — some account types include MoneyPass access
- Numerous credit unions — including those on the CO-OP network, which overlaps with MoneyPass at many locations
If your bank doesn’t appear here, check your debit card for the MoneyPass logo or use your bank’s mobile ATM locator. Many community banks and online banks quietly include MoneyPass access as a benefit without advertising it prominently.
MoneyPass vs. Allpoint: Which Network Is Bigger?
| Feature | MoneyPass | Allpoint |
|---|---|---|
| ATMs nationwide | ~40,000 | ~55,000 |
| International ATMs | Limited | Yes (select countries) |
| Common retail locations | Walgreens, 7-Eleven, Kroger | CVS, Target, Costco, Walgreens |
| Notable bank participants | USAA, TD Bank, community banks | Ally, Capital One 360, Chime, SoFi |
Allpoint has a larger network and includes international ATMs in the UK, Canada, Australia, and Puerto Rico. MoneyPass is primarily US-based. If your bank participates in both networks, you have access to a combined pool — check your bank’s locator for both. See the full Allpoint ATMs guide for details on that network.
Does MoneyPass Eliminate All ATM Fees?
MoneyPass eliminates the surcharge — the fee charged by the ATM owner. But there are two ATM fee types:
| Fee Type | Charged By | MoneyPass Effect |
|---|---|---|
| ATM surcharge | ATM owner | Waived at MoneyPass ATMs |
| Out-of-network fee | Your bank | Varies — depends on your account |
If your bank charges an out-of-network fee (typically $1.50–$3.00) even for MoneyPass ATMs, your cost is not zero. However, many banks that specifically advertise MoneyPass access also waive their own out-of-network fee at MoneyPass locations. Read your account fee schedule to confirm.
For banks that eliminate ATM fees entirely — including banks that reimburse every surcharge — see banks that reimburse ATM fees.
How to Use a MoneyPass ATM
- Locate an ATM using moneypass.com, Google Maps (“MoneyPass ATM near me”), or your bank’s app
- Insert or tap your debit card at the MoneyPass-branded machine
- Enter your PIN and select withdrawal amount
- Review the fee disclosure screen — if it shows a surcharge, your card may not be recognized as a MoneyPass member; cancel and use a different machine or contact your bank
- Complete the transaction — no surcharge should appear for eligible cardholders
Your standard daily ATM withdrawal limit applies at MoneyPass ATMs — the surcharge-free status doesn’t change how much cash you can withdraw per day.
Bottom Line
MoneyPass gives cardholders surcharge-free access to 40,000+ ATMs at familiar retail locations across the US. It’s one of the two dominant free ATM networks alongside Allpoint. Whether MoneyPass saves you money depends on whether your bank charges its own out-of-network fee on top — check your account terms. If you frequently use ATMs and want guaranteed zero-cost access, consider banks that offer unlimited ATM fee reimbursement rather than relying solely on network membership.
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