Key takeaways
- MoneyPass operates 40,000+ fee-free ATMs nationwide — one of the largest surcharge-free networks in America.
- Major banks like US Bank, Capital One, and fintech apps like Venmo, Cash App, and SoFi all use MoneyPass for fee-free withdrawals.
- Find MoneyPass ATMs at 5,000+ Walmart locations, plus Hy-Vee, Circle K, Sheetz, and other major retailers.
- Out-of-network ATM fees cost $3-$5 per transaction — using MoneyPass saves you money every time you need cash.
If you bank with an online-only institution or a regional bank without many branches, MoneyPass is probably how you access cash without fees. This network connects over 2,000 financial institutions and 160 million cardholders to 40,000 ATMs across the country — meaning you’re rarely far from fee-free cash access.
Here’s everything you need to know about finding and using MoneyPass ATMs.
Is my bank part of the MoneyPass Network?
The fastest way to check: Open your bank’s mobile app and look for the ATM locator feature. Most banks clearly label which ATM networks they participate in — MoneyPass, Allpoint, or their own proprietary network.
If you can’t find it in the app, check your bank’s website for an “ATM services” or “branch and ATM locator” page. This page typically lists all partner networks and may include an interactive map showing nearby locations. Or, you can call customer service or visit a branch.
Major banks and apps using MoneyPass:
How to find MoneyPass ATMs near you
1. Use your bank’s ATM locator (recommended)
Most banks with MoneyPass access include an ATM finder in their mobile app or website. This is your best option because it shows all fee-free ATMs you can use — including both MoneyPass locations and any proprietary ATMs your bank operates.
For example, Capital One’s ATM locator shows nearby MoneyPass and Allpoint locations, plus details about what services each ATM offers (deposits, cardless access, etc.).
2. Go directly to MoneyPass.com
Visit the MoneyPass website and enter your ZIP code on the homepage. The locator provides:
- Nearby ATM addresses and distances
- Hours of operation
- Accessibility features
- Specific amenities (deposit capability, drive-up access)
You can filter results by criteria like 24-hour access or handicap accessibility.
3. Look for these retail locations
MoneyPass ATMs are commonly found at:
- Walmart (5,000+ locations nationwide)
- Hy-Vee grocery stores
- Kwik Trip/Kwik Star convenience stores
- Circle K convenience stores
- Holiday gas stations
- Sheetz gas stations
- Credit unions and community banks
MoneyPass coverage is particularly strong in the Midwest and areas served by US Bank and regional banks. Coverage varies by location — use the locator before assuming a specific store has one.
Using Venmo with MoneyPass ATMs
If you have a Venmo debit card, you can use any MoneyPass ATM to withdraw cash fee-free. The Venmo debit card is linked to your Venmo balance and allows for fee-free withdrawals at all MoneyPass ATMs nationwide.
To find a MoneyPass ATM for your Venmo card:
- Open the Venmo app
- Tap the ☰ menu icon
- Select “Find ATMs”
- The app will show nearby MoneyPass ATMs
Venmo allows up to $400 in ATM withdrawals per day, and while MoneyPass ATMs won’t charge a fee, Venmo may charge $2.50 for withdrawals at non-MoneyPass ATMs, plus any fee the ATM operator charges.
Bottom line
MoneyPass gives you access to 40,000 fee-free ATMs nationwide — often at locations you’re already visiting like Walmart and major gas stations. If your bank participates in the network, there’s no reason to ever pay $5+ in ATM fees again.
The key is planning ahead: Use your bank’s ATM locator before you need cash, and you’ll always know where to find a fee-free ATM. This is especially crucial for online bank customers who don’t have physical branches to fall back on.
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