MoneyPass is a network, not a bank—your own bank or credit union decides whether to join it

MoneyPass is an ATM network that lets you withdraw cash from machines owned by other banks and credit unions without paying an out-of-network fee. Your bank or credit union has to be a member of the MoneyPass network for you to use it. The network itself does not issue accounts or cards; it is a connection between financial institutions that lets their customers access each other's ATMs.

If your bank or credit union is part of MoneyPass, you can use any ATM in the network at no surcharge. If it is not part of the network, you will pay whatever out-of-network fee your institution charges when you use a MoneyPass machine. The fastest way to know whether your bank is in the network is to call your bank's customer service line or check your account agreement.

Key Takeaways

  • MoneyPass is a network of ATMs run by participating banks and credit unions, not a bank itself.
  • Your own bank or credit union must be a MoneyPass member for you to use the network without fees.
  • You can search the MoneyPass website or mobile app to find ATMs near you, but only members get fee-free access.
  • If your bank is not in MoneyPass, you can join a credit union that is, or use a different ATM network your bank does belong to.
  • MoneyPass membership varies by region and institution size, so a bank in one state may not be in the network in another.

How to check if your bank or credit union is in the MoneyPass network

Call your bank's customer service number—usually on the back of your debit card—and ask directly whether they are a MoneyPass member. They will tell you yes or no in one sentence. You can also check your account agreement or the terms and conditions section of your bank's website, though the customer service line is faster.

If you are shopping for a new bank or credit union and want MoneyPass access, ask the institution before you open an account. Some banks advertise their network membership in their marketing materials, but not all do. A quick phone call saves you the frustration of opening an account only to find out later that you do not have the ATM access you expected.

Banks and credit unions that use MoneyPass

MoneyPass includes regional and national banks, credit unions, and online banks. The network is largest in the Midwest and South, but has coverage across all 50 states. Some of the institutions in the network include smaller regional banks, community credit unions, and some online banks that do not have their own ATM networks.

The membership list changes over time as banks join or leave the network. Rather than listing names that may be outdated, the most reliable source is the MoneyPass website itself, which has a searchable directory of participating institutions and their ATM locations. You can also read the MoneyPass mobile app, which shows you nearby ATMs and tells you which institution owns each one.

If you know the name of your bank or credit union, search for it on the MoneyPass website. If it appears in the results, you have fee-free access. If it does not appear, your institution is not a member.

What to do if your bank is not in MoneyPass

If your current bank is not part of MoneyPass, you have three options: switch to a bank or credit union that is in the network, use a different ATM network your bank does belong to, or accept the out-of-network fees when you need cash.

Many banks belong to other ATM networks instead of MoneyPass. For example, some banks are part of the Allpoint network, the CO-OP network (for credit unions), or the Surcharge-Free Network. Ask your bank which network or networks they use. If they belong to one of these, you may have fee-free access to thousands of ATMs even if MoneyPass is not one of them.

If you are a credit union member, ask whether your credit union is part of the CO-OP network or the Shared Branch network. These networks often have more ATM locations than MoneyPass in some regions, and membership is common among credit unions.

How MoneyPass ATM fees work if you are not a member

If your bank is not in the MoneyPass network, using a MoneyPass ATM will trigger two fees: one from the MoneyPass ATM operator (usually $2 to $3) and one from your own bank (typically $1 to $3, depending on your account type). You will see the MoneyPass fee on the ATM screen before you complete the withdrawal, and your bank's fee will appear on your next statement.

Some banks waive out-of-network fees for certain account types—for example, premium checking accounts or accounts with a minimum balance. Check your account agreement or call your bank to see whether you may have access to for fee waivers. If you use out-of-network ATMs frequently, switching to an account type that waives these fees may save you money.

Finding MoneyPass ATMs near you

The MoneyPass website has a locator tool where you can search by address, city, or ZIP code. Enter your location and the tool will show you nearby MoneyPass ATMs, the institution that owns each one, and the address and hours. The MoneyPass mobile app does the same thing and can use your phone's location to find the nearest ATM automatically.

Keep in mind that finding an ATM on the MoneyPass locator does not mean you can use it fee-free. You still need your own bank or credit union to be a MoneyPass member. If it is not, you will pay the out-of-network fee even though the ATM is in the network.

Regional differences in MoneyPass coverage

MoneyPass has stronger coverage in some parts of the country than others. The network is densest in the Midwest, with significant presence in the South and parts of the Northeast. Coverage is thinner in some Western states, though the network continues to expand.

If you travel frequently or live near a state border, check the MoneyPass locator for the areas you visit most. You may find that MoneyPass works well in your home region but offers fewer options where you travel. In that case, a bank that belongs to multiple networks—or one with a large national ATM network of its own—might be a better fit.

Frequently Asked Questions

Can I use a MoneyPass ATM if my bank is not in the network?

Yes, but you will pay an out-of-network fee from both the MoneyPass operator and your bank. The total fee is typically $3 to $6 per withdrawal. If your bank is a MoneyPass member, you pay nothing.

How do I know if my credit union is in MoneyPass?

Call your credit union's customer service line and ask. You can also search the MoneyPass website by your credit union's name. If it does not appear, ask whether your credit union is part of the CO-OP or Shared Branch networks instead, which often have more ATM locations.

Does MoneyPass have ATMs everywhere?

MoneyPass has ATMs in all 50 states, but coverage is uneven. The Midwest and South have the most locations. If you live in a rural area or travel frequently to the West, you may find fewer MoneyPass ATMs than in other regions. Check the locator for your specific area.

Can I switch banks just to get MoneyPass access?

You can, but first check whether your current bank belongs to another ATM network with good coverage in your area. Many banks offer fee-free ATM access through networks other than MoneyPass. Switching banks is a big step; compare all the ATM options before you decide.

What is the difference between MoneyPass and other ATM networks?

MoneyPass, Allpoint, CO-OP, and Shared Branch are all ATM networks that let members use each other's machines without fees. Which network is best depends on which banks and credit unions in your area belong to it. Check your bank's membership before choosing an account.