Automated teller machines seem to be on almost every corner, in gas stations, grocery stores and other convenient locations, but many charge fees ranging from $2 to $4. ATM transactions in the U.S. totaled $10 billion in one year, according to National Cash Systems, and 40 percent of people who use ATMs do so between eight and 10 times each month.
Once you open a bank account, it’s important to know where your bank’s ATMs are so you can use them for free instead of possibly incurring a charge for using machines outside of your network. Follow these steps to locate your financial institution’s ATMs and use them to withdraw money, check your balance, or deposit cash or checks.
Ask Google to Find ATMs
Google is one of the most popular search engines — and it can be an excellent tool when you need an ATM finder. Here’s how to use Google to find local ATMs:
- Bring up the Google search engine on your computer, phone or tablet.
- Enter “ATM near me” in the search box and hit enter.
- You’ll see the closest three ATMs listed under the map with the option to click on “more places.”
Use Your Bank’s Website to Find ATMs
If possible, use your bank’s ATM to avoid fees. You can find your closest one by searching on your bank’s website. Here’s how:
- Using your desktop or laptop, go to your bank’s home page.
- Find “Locations” near the top of the page and click on it.
- Enter your ZIP code or city and state in the text box and hit the enter key.
- Find listings that show ATMs — some banks will have a box you can check that says “Search ATMs.”
Use Your Bank’s Mobile App to Find ATMs
When you’re away from your computer, you can still locate an ATM by using your bank’s mobile app. Follow these steps:
- Visit either the iTunes Store or Google Play and download your bank’s app.
- Search for the word “Locations,” which should appear on the home page.
- Allow the locations service on your device to identify your position.
- Tap the “ATMs” box and the results will pop up on your screen.
Use an ATM Locator
You can also use an ATM locator to find a machine in your area. Try using one of these:
- Visa ATM locator: The Visa ATM locator lets you search by keyword — it also has a filter if you’re interested only in Plus Alliance ATMs.
- Discover ATM locator: Discover has 415,000 ATMs, so chances are good you’ll find one near you. Just type your ZIP code in the box and check if you’d like to see surcharge-free ATMs only.
- Simple ATM locator: Many of Simple’s ATMs are in stores like Walmart, Costco, CVS, Target and even Dunkin’ Donuts. When you visit the Simple site, a pop-up will appear, asking you to allow the bank to know your location. If you don’t want that, you can enter your ZIP code in the text box and hit the enter key.
- MoneyPass ATM locator: The MoneyPass locator allows you to search by ZIP code or bank name. You can also check if the ATM is handicap accessible, open 24/7 and capable of taking deposits.
- Star ATM locator: If you use the Star ATM locator, you’ll first need to click a box to prove you are not a robot. You can then select from a handful of choices — including bilingual services, instant cash deposits and surcharge-free ATMs — before you type in your ZIP code and hit “Submit.”
You also can use your bank’s ATM locator, such as the ATM locators provided by these large U.S. banks on the websites and mobile apps: