How to Locate ATMs

Automated Teller Machines (ATMs) can be found in various locations, ranging from banks and gas stations to convenience stores, grocery stores, malls and theme parks. Although you might not have a hard time finding an ATM in your hometown, it can be tough locating one when traveling or visiting a new place. Fortunately, there are ways to find an ATM even when you're in unfamiliar territory.

Out-of-Network ATMs

ATMs are located at almost all banks, so tracking down banks in your area is a good first step to finding an ATM. You can use one of these ATMs even if it's not owned by your bank, but your bank may charge you a fee for using an out-of-network ATM. In addition to the service fee your bank will charge, the other bank typically charges a non-customer service fee for using its ATM. For example, as of publication Bank of America charges non-customers a $5 usage fee and its own customers $2.50 for using other bank's ATMs. Certain banks offer accounts that provide free out-of-network ATM usage for customers. PNC Bank is known to waive its out-of-network ATM fees for qualifying checking accounts.

Your Bank ATMs

If you want to avoid paying service fees, use your bank's ATM. Stop at any local branch and check for a drive-thru or walk-up ATM. If you aren't sure where the nearest location is, visit the bank's website to search for ATMs. You'll just need to enter your zip code to find the nearest ATM. Some of the banks that provide online ATM searches include:

STAR and PULSE ATMS

These companies provide surcharge-free transactions for participating bank customers at various retail locations across the country. Visit the STAR or PULSE websites to find ATMs near you. If you aren't sure if your bank participates, look on the back of your debit or ATM card for the STAR or PULSE logos.

VISA and MasterCard ATMs

You can also search for VISA ATM locations) globally using the search tool at VISA.com. MasterCard also provides a MasterCard ATM online search feature. You can search by zip code, address, airport or attraction.