The banks and credit unions in the Allpoint network

Allpoint is a network of ATMs you can use without paying a fee, even if your bank isn't the one that owns the machine. More than 55,000 ATMs worldwide are part of Allpoint — including machines in grocery stores, pharmacies, and convenience stores. Your bank or credit union is part of the network if it has signed an agreement with Allpoint to let its customers use those machines.

The problem is that the list of participating banks changes. Banks join and leave the network, and some banks are part of Allpoint in certain states but not others. Rather than printing a list that becomes outdated, the most reliable way to learn about your bank is included is to visit the Allpoint website directly and search by your bank's name, or call your bank's customer service line and ask whether they participate in Allpoint.

That said, some of the larger banks and credit unions that have historically been part of Allpoint include regional and online banks, as well as credit union networks. If you use a major national bank, there is a good chance your bank has its own ATM network that may be larger than Allpoint for your needs — but Allpoint fills the gap when you travel or need a machine outside your bank's locations.

Key Takeaways

  • Allpoint includes more than 55,000 ATMs worldwide, and your bank's participation determines whether you can use them without a fee.
  • The list of participating banks changes regularly, so checking the Allpoint website or calling your bank is more reliable than relying on an outdated list.
  • Some banks participate in Allpoint in certain states or regions but not everywhere, so location matters.
  • If your bank is not part of Allpoint, you may still have access to a different ATM network through your bank or credit union.

How to check if your bank is in the Allpoint network

The Allpoint website has a search tool where you can type your bank's name and see whether it participates. Go to allpointnetwork.com, look for the "Find an ATM" or "Participating Banks" section, and search. The result will tell you if your bank is included and in which states or regions.

If the website search is unclear or you want to confirm before opening an account, call your bank's customer service number — usually on the back of a debit card or on the bank's website. Ask directly: "Is my bank part of the Allpoint ATM network?" They can give you a yes or no answer and explain what other ATM networks you have access to.

When you open a new account, the bank's website or account agreement often lists which ATM networks are included. Look for language about "surcharge-free ATM access" or "ATM network partnerships." This is worth checking before you open an account, especially if you travel frequently or live in an area where your bank has few branches.

Why banks join or leave the Allpoint network

Banks join Allpoint because it lets them offer customers ATM access without building their own machines everywhere. A small regional bank or online bank can offer nationwide ATM access by joining a network instead of spending millions on hardware. For customers, this means you can withdraw cash without paying a $2 to $3 fee at an out-of-network machine.

Banks sometimes leave Allpoint if they build their own larger network, merge with another bank that has different partnerships, or decide the cost of membership is not worth it. When a bank leaves, its customers lose surcharge-free access to Allpoint machines — though they usually gain access to the acquiring bank's network instead.

What happens if your bank is not in Allpoint

If your bank does not participate in Allpoint, you have other options. Many banks are part of different ATM networks — for example, CO-OP (used by many credit unions), MoneyPass, or Alliant. Some banks have their own networks. Ask your bank which network you belong to and how many machines are available.

You can also use an out-of-network ATM and pay the fee, though this adds up if you withdraw cash frequently. Some banks reimburse out-of-network fees if you maintain a high balance or have a premium account, so check your account terms. Online banks often reimburse all ATM fees nationwide, which can be a better deal than relying on a single network.

Allpoint access for online banks and credit unions

Many online banks and smaller credit unions use Allpoint as their main way to offer ATM access, since they have no physical branches. If you bank with an online institution, check whether Allpoint is included in your account — it often is, and it is one of the main reasons to choose an online bank if you need cash regularly.

Credit unions sometimes participate through their own networks (like CO-OP or Shared Branch) in addition to or instead of Allpoint. If you are a credit union member, ask whether you have access to both your credit union's network and Allpoint, since some credit unions offer both.

Using Allpoint ATMs when you travel

Allpoint's main advantage is that it works internationally. If you travel outside the United States and your bank is part of Allpoint, you can use Allpoint machines in many countries without paying a foreign ATM fee. This is especially useful if you are traveling to a country where your bank has no presence.

Before you travel, confirm that your bank is in Allpoint and that the countries you are visiting have Allpoint machines. You can search by country on the Allpoint website. Also check with your bank about any international transaction fees — Allpoint covers the ATM operator's fee, but your bank may charge its own fee for international withdrawals.

Frequently Asked Questions

Do I pay a fee to use an Allpoint ATM if my bank is part of the network?

No. If your bank participates in Allpoint, you should not pay a surcharge to use any Allpoint machine. However, your bank may charge its own fee for international withdrawals if you use an Allpoint machine outside the United States. Check your account terms or call your bank to confirm.

What if I use an Allpoint ATM but my bank is not part of the network?

You will pay the ATM operator's fee, which is usually $2 to $3. Allpoint membership is what makes the withdrawal surcharge-free. If your bank is not in Allpoint, you are using the machine as an out-of-network customer.

Can I use Allpoint ATMs in other countries?

Yes, Allpoint operates in many countries. Search the Allpoint website by country to see which machines are available where you are traveling. Your bank must be part of Allpoint for you to use them without a surcharge, and your bank may still charge an international transaction fee.

How often does the list of Allpoint banks change?

Banks join and leave regularly, so there is no fixed schedule. The Allpoint website is updated as changes happen. If you are considering switching banks partly for Allpoint access, confirm participation directly with the bank rather than relying on older information.

What is the difference between Allpoint and my bank's own ATM network?

Your bank's network is machines owned by your bank or its partners. Allpoint is a separate network of machines at retail locations and other banks. You may have access to both. Your bank's network is usually larger in your home area, while Allpoint is more useful when you travel or need a machine outside your bank's footprint.