What ATMs Let You Withdraw $5, $1, $50, and $100 Near Me: A 2021 Guide

Recessionary times and financial hardships come with low account balances. It is essential to give customers the flexibility to withdraw any amounts they want-even coins, during such times!

Can you find ATMs that let you withdraw $5, $1, $50, and $100 denominations?

Short Answer: Many ATMs let you withdraw $5, $1, $50, and $100. Chase, PNC, Bank of America, and Fifth Third are among the top national banks with ATMs that let you withdraw more or less than 20 dollars.

From 2012 through 2013, PNC upgraded over half of its 7,200 ATMS to give out $5 and $1 bills, making it more convenient for its customers. Today, PNC has nearly 18,000 PNC and partner ATMs in more than 23,000 locations. The majority of these machines dispense $5 and $1 bills.

Chase, as early as 2013, had about 400 ATM branch locations that dispensed $5 bills. Today, Chase has over 16,000 ATMs located inside branch locations, drive-thru areas, and vestibules.  With over 4,700 branches nationwide, the majority give out $5 and $1 bills. The Chase ATM machines can even dispense coins!

See our related post on where to find an ATM near me that dispenses $10.

What ATMs Give Out $5 Bills?

Consider a situation where you want to take out $25. You can only take out $40 for machines that only dispense $20 bills. But finding an ATM that gives out $5 and $10 bills can be helpful in this situation. At least, you will be able to withdraw your cash in $20 and $5 or $10 and $5 denominations.

Here is a list of ATMs that give out $5 bills:

  • PNC – ATM branch locations
  • Chase – Inside ATM branch locations
  • Fifth Third – Select new ATMs

What ATMs Let You Withdraw $1 Bills?

Some banks give customers the ability to withdraw cash in denominations as low as $1 to improve customer satisfaction and spending flexibility. For example, let’s say you want to withdraw $24 or $36. These ATMs let you withdraw $1 bills:

  • Chase – Inside the ATM branch locations
  • PNC – ATM branch locations
  • Fifth Third – Select new ATMs

What ATMs Dispense $50 Dollar Bills?

Traditionally, ATMs only give out bills in $20 increments. If you need $50, you have to withdraw $60-three $20 bills. Some banks have upgraded their ATMs to dispense $50 dollar bills.

  • Wells Fargo – Select ATM branch locations
  • Citibank – Varies by location
  • Fifth Third – In the process of updating ATMs
  • US Bank – Varies by the local branch

Where to Find ATMs that Dispense $100 Bills?

Finding ATMs that dispense 100 dollar bills can be helpful. Instead of carrying five $20 bills or two $50 bills, you can select just one 100 dollar bill.

Here are ATMs that give out large bills:

  • Bank of America: It updated the Bank of America ATMs to allow you to select your denominations up to $100 bills.
  • Chase: ATMs inside the bank branch give out bills in increments of $1, $5, $10, $20, $50 and $100.

Do ATMs Only Give $20s Bills?

No, this is no longer the case. Many banks have upgraded their ATMs to give out lower and higher denominations. For example, Chase and PNC have a new generation of ATMs that dispense bills as low as $1 and $5. Even if you have a dollar to your name, you can take it!

Chase and Bank of America ATMs give out large bills. They give out $50 and $100 bills.

Here are eight national banks that dispense between $1 to $100 bill increments.


  • Select any PNC branch location
  • Gives out bills in $1, $5, and $10 increments

Find a local PNC ATM that gives out $1, $5, and $10 here.


  • Cannot get small bills at the drive-thru ATM
  • Use the ATM inside the branch that gives out bills in $1, $5 , $10,$20, $50 and $100 denominations
  • They do have bill limits. For example, you will be limited to the amount of $1 bills per transaction, but it will vary by location

Find a local Chase ATM that gives out $1, $5, and $100 here.

Bank of America

  • The machine gives out bills in $10, $20, $100 increments
  • Its updated ATMs will let the customer select the denomination

Find a local Bank of America ATM within 100 miles here.

Wells Fargo

  • It gives out a $20 bill minimum, but some ATM locations dispense $50 bills

Find a Wells Fargo ATM near me.


  • Citibank ATMs can give out $10, $20, $50 bill increments – varies by location

Find a Citibank ATM nearby my location.

Fifth Third Bank

  • Select ATMs offer $1, $50, $20, $5 bill increments. The bank is slowly updating the rest of its machines.

Fifth Third Bank ATM near my location.

US Bank

  • It gives out $20 and $50 bills at my local branch but varies nationally

Find an open US Bank ATM near me.

What is the Minimum Withdrawal ATM?

Just because an ATM offers small bills, it doesn’t mean that you can walk in and only withdraw $1, $5, or $10. Some banks set ATM withdrawal limits depending on the type of checking or savings account and your banking history.

You may have to inquire the bank about your minimum ATM withdrawal limit. If you are in a situation where you can’t withdraw the exact change you need, consider contacting your bank’s customer service department or inquire from a teller inside the bank.

Which ATM Lets you Withdraw the Most Money?

Banks set maximum withdrawal limits to protect their customers and themselves from different types of ATM fraud losses. Maximum withdrawal limits also help to ensure that ATMs don’t run out of cash. It is beneficial on weekends or holidays when the branch is closed and the ATM is no refilled with cash.

ATM withdrawal limits among the 20 largest banks in the country range from $300 to $5,000. Factors such as account types, customers’ banking history, and availability of funds also come to play when determining the maximum ATM withdrawal limit for individuals.

The good news is that you can request your bank to adjust your ATM withdrawal limit temporarily or permanently by contacting customer service. That said, here is a list of four banks that lets you withdraw the most money.

  • Chase Bank: $500-$3,000
  • Citibank: $1,000-$2,000
  • Morgan Stanley Bank: $1,500-$5,000
  • PNC: $500-$2,000

These are all banks that let you withdraw $1,000 or more if you meet the requirements.

Can you get $35 from an ATM Near Me?

Several national bank branches have ATMs that can give out $35. Fifth Third Bank, Chase, and PNC dispense small bills that add up to $35. These banks have new ATM branches that dispense exact change:

  • Fifth Third Bank – $1, $5, and $20
  • Chase – $1, $5, and $20
  • PNC – $1, $10, and $20

What Banks Have No ATM Fees Near Me?

ATM convenience comes at a cost, especially when making out-of-network withdrawals. Your bank charges you a $1.67 fee for using another bank’s ATM, and you will have to pay an additional $2.90 charge to the ATM owner. That means you will have to part with $4.57 to get your own money from an out-of-network ATM.

Even if you use your ATM once a month or just a few times per year, these charges can quickly skyrocket. The fees are very disproportionate for low-balance accounts and not a good way to save money. Finding banks that have no ATM fees near you can present a big opportunity for savings.

Luckily, there are banks out there that let you avoid ATM fees, including:

Bank of Internet USA

Bank of Internet USA, also known as Axos, lets its customers use any ATM within the U.S fee-free. This perk is available with the following Bank of Internet accounts: CashBack Checking Rewards Checking and Essential Checking. The company will even reimburse you by the end of the next business day for any amount charged by the owner’s bank.


With a Radius debit card, you can use an out-of-network ATM in the U.S. for free. At the end of your statement cycle, you will be reimbursed for any fee charged by the ATM owner. These perks are available with Rewards Checking and Campion Checking accounts.

Charles Schwab Bank

It is the best bank for free international ATM access for customers using the High Yield Investor Checking Account. Your account is linked to a Schwab One brokerage account. Schwab offers unlimited rebates and doesn’t charge any foreign transaction fees.

Alliant Credit Union

This is the best credit union for free domestic ATM access for customers operating Alliant’s checking accounts, Teen Checking, and High-Rate Checking. Alliant has more than 80,000 fee-free ATMs, and they will reimburse you up to $20 per month for out-of-network fees charged by ATM owners.


This is the best brick-and-mortar bank that offers fee-free ATM access for all Citibank checking accounts. They have more than 65,000 fee-free ATMs for their customers. Walgreens, CVS, Rite, Target, and Rite are some of the retail chains they partner with to offer fee-free ATMs.

Ally Bank

You only need to operate a free online Interest Checking account to use any Allpoint ATMs for free within the U.S. If you use an out-of-network account, Ally will reimburse you up to $10 per month for the fees charged by the ATM owner.

State Farm Bank

To open a State Farm basic checking account, you will need a $25 minimum deposit. State Farm won’t charge you any fees for their ATMs or out-of-network ATMs. To qualify for unlimited ATM rebates, you will have to make at least one direct deposit to your account in every statement cycle. Else, you will only be reimbursed up to $10 per statement cycle.

Chesapeake Bank

Chesapeake is an online-only bank. Their Clear Sky checking account waives up to $20 in ATM fees per month.

How to Avoid ATM Charges

If you’re low on cash and trying to live frugally, the last thing you want to do is lose more money to ATM fees. There are a number of reasons why withdrawing money from an ATM would cost you money. Once you know these factors, you can prevent losing more money to ATM fees. Money saved is money earned when it comes to these expenses. 

Use Your Financial Institution’s ATM

Always try to find an ATM that belongs to your bank. Most banks will charge you an ATM fee if the card you’re using is from a different financial institution, and doing it several times a month will add up on your expenses. A quick Google search will give you the location of the closest ATM of your financial institution near you. Using this ATM instead of whatever is closest or the most convenient can save you precious dollars over time. 

Monthly Limits

Every bank has a certain monthly (or even weekly) limit of how many times you can withdraw money from an ATM, even if it belongs to the same financial institution. After this limit, you’ll be charged for withdrawing money every time in the form of a flat fee. To ensure that this doesn’t happen with you, keep track of the number of times you use an ATM per month. Using your banking app on your phone or keeping the paper receipts handy can give you a good idea of your expenses even if you lose count of how many times you’ve used the ATM. 

Use a Card

Do you use cash everywhere? While that’s a good way of subconsciously reducing expenses, it defeats the purpose if you’re spending extra money on ATM fees. Using a card can help you reduce these fees because debit cards usually don’t have a limit to how many times you can swipe it. The best way to go about this is to keep a note of exactly how much cash you’ll be needing throughout the week or the month. If there are certain places where you can only pay in cash, make an estimate of how much the expenses at these places will be and try to have the required amount of cash on you. 

No Credit Cards

Using a credit card in itself is a recipe for higher expenses, but using it to withdraw cash from an ATM will definitely come with ATM fees. While debit cards come with a certain number of free ATM withdrawals when carried out within your financial institution’s ATM, credit cards will incur a fee for cash advances. Make sure you either leave your credit card at home or only use it for in-store purchases by swiping or tapping it. If you’re trying to live frugally, the best way to do it is by forgetting your credit card altogether. 

Use Cashbacks

Cashbacks are an excellent way to save some money on every purchase you make. A number of merchants offer cashback services at no extra cost, which means that every purchase you make will deposit a certain percentage of that amount back in your account immediately on a few working days. Cashbacks are more common when you go for special cards from stores (Amazon Pay cards, for example). However, make sure that you don’t spend more than you need to just to get cashback benefits.

ATMs That Let You Withdraw $5, $1, $50, and $100 Near Me Summary

National banks have and continue to upgrade their ATMs to offer customers more flexibility. Today, there are banks with thousands of ATMs across the country that will let you withdraw bills as low as $1, $5, and $10, or large $50 and $100 bills.

To avoid being hit with the annoying out-of-network fees, stick to your bank’s ATMs or consider having a debit card from any of the above banks that offer fee-free ATMs and rebates for out-of-network withdrawals.