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Frequently asked questions
Will I pay a fee at another bank's ATM?
Possibly. The ATM operator may charge a surcharge and your own bank may add an out-of-network fee; the machine usually displays the operator's fee before you complete the transaction. Many banks and credit unions belong to surcharge-free networks, so ask your bank which ATMs you can use without extra charges.
Are ATMs available 24 hours a day?
Many outdoor and drive-up ATMs can be used around the clock. Machines inside stores, malls, hospitals or office buildings are usually limited to the building's opening hours.
Can I deposit cash or checks at any ATM?
Not always. Deposits are generally accepted only at ATMs run by your own bank or its partners, and some machines are withdrawal-only; your bank's app or website can show which ATMs accept deposits.
What should I do if an ATM keeps my card?
Contact your bank right away through its app, website or customer service line to lock or cancel the card. Don't accept help from strangers at the machine, and tell your bank exactly where and when it happened.