Frequently Asked Questions

You have questions, we have answers!
What is the Allpoint Network?
Allpoint is a network of 55,000 ATMs through which certain cardholders of member financial institutions participating in Allpoint can get surcharge-free access to their accounts. Not all accounts at Allpoint member financial institutions may participate in Allpoint. Check with your financial institution to be sure that your account participates in Allpoint.
What is an ATM surcharge fee?
Commonly referred to as a surcharge, this is the fee the owner of the ATM machine assesses to all "foreign" cardholders (i.e., someone that is not a cardholder of the institution owning the ATM). The national average ATM surcharge fee is $2.88, but it may vary based on location.
How can I sign up for Allpoint?
Access to Allpoint's surcharge-free ATM network is available to designated cardholders of member financial institutions. At this point in time, individual consumers cannot sign up for Allpoint -- your bank, credit union or prepaid card provider must do this on your behalf. Check with your financial institution to see if your account participates in Allpoint. If your financial institution is not currently a member of Allpoint, let them know that you would like access to our network of 55,000 surcharge-free ATMs.
Where are Allpoint ATMs located?
Allpoint's 55,000 surcharge-free ATMs are located in local, regional and national retailers across all 50 states, Puerto Rico, Canada, Mexico, Australia and the United Kingdom. This includes merchants such as CVS/pharmacy, Kroger, Target, Walgreens, Winn-Dixie and many others. Use the ATM locator to find the Allpoint ATM closest to you.
I used an Allpoint ATM and the "surcharge message" screen said I would be assessed a surcharge for the transaction I was attempting. Will I be charged? Why does this happen?
No. Due to the technical limitations of certain types of ATM machines, we are not able to prevent the "surcharge message" screen from appearing on some Allpoint ATMs. You should continue the transaction by answering "yes" on this screen. When you get your receipt, you'll see that you were not assessed a surcharge (i.e., the withdrawal amount on your receipt will show $20, $40, $60, etc., as opposed to $21.50, $41.50, $61.50, etc. shown when you pay a surcharge).
Can I still use ATMs that are not part of Allpoint?
Yes. Your ATM card will continue to work at ATMs that are not included in the Allpoint network. However, the amount, if any, surcharge fee that you will be assessed at such non-participating ATMs will be determined solely by the owner and operator of that ATM and not eligible for reimbursement by Allpoint.
How does your ATM locator work?
It's easy! Simply type in your zip code or city/state and the locator will list the address of all Allpoint ATMs within 10 miles of the desired location (up to a maximum of 30 locations).