SURCHARGE-FREE IN-NETWORK ATMS
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Get Cash Back When You Shop.
Enjoy cash back at the register at many of your favorite major retailers, including CVS, Walgreens, Target, Rite Aid, Winn-Dixie and more.
Don't just take our word for it.
"No extra charge at ATMs is awesome."
— Miguel P.
"I really enjoy this feature. I hate paying ATM fees for my money."
— Juanita G.
"I use these ATMs periodically and enjoy no fees. There are several ATMs in convenient locations for me."
— Kathryn M.
Wondering if Wisely is right for you?
Learn about features and tips that have helped people just like you take control of their finances.
Learn how we collect and use your information by visiting our Privacy Notice
Where is the nearest fee-free ATM?
To find the nearest fee-free ATM
- Log into the myWisely® app or mywisely.com.
- Tap ATM and Reload Locations to see a map with ATMs near you.
How can I get cash using my card?
There are multiple ways you can access cash using your card. (Note: Limits may apply to the amount of cash you're able to withdraw at merchants and ATMs.)
To get cash, simply:
To get cash:
Cash back from participating merchants
A good way to get cash back with your card is at the places you already shop, like grocery and convenience stores. Simply:- Select Debit on the keypad.
- Enter your 4-digit PIN.
- Select Yes for cash back.
- Enter the amount and hit OK.
Cash from ATMs
Get cash at millions of ATMs worldwide, including tens of thousands surcharge-free, in-network ATMs nationwide. Fees may apply if you use an out-of-network ATM. Please reference your Cardholder Agreement and List of Fees to determine which in-network ATMs are available to you. Use the myWisely® app to find a location near you.To get cash, simply:
- Enter your 4-digit PIN (Personal Identification Number).
- Select Withdrawal from Checking.
Cash from a participating location
Go to any participating location and let the teller know you want to do an over-the-counter transaction. Tell them the amount you would like to withdraw.To get cash:
- Know your balance beforehand by logging into your myWisely® account. (The teller cannot tell how much money you have on your card.)
- Ask the teller for the amount you would like to withdraw.
- You’ll need your 4-digit PIN and may be asked for an additional form of identification.
What is an ATM surcharge?
An ATM surcharge is a fee charged to non-customers who use the machines for cash withdrawals. This fee is over and above any transaction fees charged by your bank or card issuer. While the fee can vary, typically ranging from $1.25 to $3.15, it's a way for ATM owners to cover maintenance and operational costs. To avoid these, search for "surcharge-free ATMs near me" that don’t impose these additional fees, offering a cost-effective way to access your cash. To find your nearest ATM, use the locator within the myWisely® app or visit mywisely.com.
What is a surcharge-free ATM?
A surcharge-free ATM is one that does not impose additional fees for withdrawing cash. These ATMs are usually part of a network that includes financial institutions and many retailers who have agreed to waive these fees. Note, that you may still face transaction fees; however, using a surcharge-free ATM means no extra charges from the ATM itself. This makes it a financially smarter choice, especially for frequent users or those traveling. To find these machines, the myWisely® app provides easy access to free surcharge ATM locations nationwide.
Are there any limits on withdrawals at surcharge-free ATMs?
Yes, withdrawal limits depend on the specific surcharge-free ATM, meaning the financial institution has set a daily withdrawal limit. Some ATMs may have lower transaction limits. If both limits apply, the lower one will determine the maximum you can withdraw per transaction. It's important to check the myWisely® app and your cardholder agreement to understand the specific limits for your account.