Can I use another bank's ATM?

Yes, but it may incur additional fees , especially for out-of-network usage. Check with your bank for specific charges.

Are drive-thru ATMs available 24/7?

Most are, but availability can vary depending on the location and bank.

Can I deposit money at a drive-thru ATM?

Yes, many drive-thru ATMs accept both cash and check deposits, but availability may vary by location.

Are drive-thru ATMs safer than walk-up ATMs?

Generally, yes. You remain inside your vehicle, which can provide a safer environment, especially at night.

Do drive-thru ATMs have withdrawal limits?

Yes, most banks impose daily withdrawal limits, often between $500 and $1,000.

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Find a Drive-Thru ATM Near You: The Ultimate Guide

March 11, 2025

4 min Read

Written by Joshua Rodriguez

Edited by Joe Evans

normaals / Getty Images/iStockphoto

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Drive-thru ATMs offer the convenience of quick banking without ever leaving your car. Whether you’re running errands or prefer contactless banking, finding a nearby drive-thru ATM can save you time and effort. But how do you locate one when you need it most?

This guide will walk you through the easiest ways to find a drive-thru ATM near you and what to expect when using one.

How to Find a Drive-Thru ATM Near You

Locating a drive-thru ATM is simpler than you might think. Here are the best methods to find one quickly:

1. Use Online Bank Locators

Most major banks, like Chase and Bank of America, offer branch and ATM locator tools on their websites. Simply enter your ZIP code or city to find the closest drive-thru ATM.

Bank of America Drive-Thru Locator: Use their online tool to search for nearby drive-thru ATMs.
Chase Drive-Thru Locator: Enter your location to find Chase drive-thru ATM services.

2. Use Google Maps or Navigation Apps

If you’re on the go, navigation apps are a quick way to locate the nearest ATM.

Open Google Maps or another app.
Type “drive-thru ATM near me” or your specific bank name.
View nearby options and get directions instantly.

3. Utilize Banking Apps and Customer Service

Many banks offer mobile apps with location services. Simply open the app and search for nearby ATMs. If you’re unsure, contact customer service for real-time assistance.

Drive-Thru ATM Fees and Limits

While drive-thru ATMs are convenient, it’s important to understand the potential fees and limits associated with them.

Fees to Expect

In-Network ATM Use: Free for most account holders.
Out-of-Network ATM Use: May incur a fee, typically around $2.50 per transaction, plus an operator fee.
International Use: Expect an additional fee, generally around $5 and possibly a currency conversion fee.

Limits to Keep in Mind

Withdrawal Limits: Most banks have a daily limit, usually ranging from $500 to $1,000.
Deposit Limits: Some ATMs accept only a limited amount per transaction.
Cash Availability: Smaller ATMs may have lower cash availability during off-hours.

Alternatives to Drive-Thru ATMs

If you can’t find a drive-thru ATM nearby, consider these alternative banking options:

Mobile Check Deposits: Use your bank’s mobile app to deposit checks from home.
In-Branch ATMs: Ideal for larger deposits or specialized services.
Cashback Options: Request cashback at grocery stores or retailers during checkout.
Online Transfers: Transfer funds digitally using mobile or online banking services.

Final Take to GO

Drive-thru ATMs offer a safe, convenient, and efficient way to handle your banking needs. By using online locators, mobile apps, and navigation tools, you can easily find a drive-thru ATM near you. Always verify fees and withdrawal limits before visiting a new ATM, especially when using out-of-network machines.

For more expert tips on managing your finances, explore our guide to avoiding ATM fees.

FAQs About Drive-Thru ATMs

Here are answers to some of the questions people ask most often about ATMs.

Can I use another bank's ATM?
- Yes, but it may incur additional fees, especially for out-of-network usage. Check with your bank for specific charges.
Are drive-thru ATMs available 24/7?
- Most are, but availability can vary depending on the location and bank.
Can I deposit money at a drive-thru ATM?
- Yes, many drive-thru ATMs accept both cash and check deposits, but availability may vary by location.
Are drive-thru ATMs safer than walk-up ATMs?
- Generally, yes. You remain inside your vehicle, which can provide a safer environment, especially at night.
Do drive-thru ATMs have withdrawal limits?
- Yes, most banks impose daily withdrawal limits, often between $500 and $1,000.

Information is accurate as of March 11, 2025.

Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.

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