You can withdraw money from an ATM with Netspend card. It is one of the convenience Netspend offers to its users. To avoid ridiculous ATM fees, there are places you have to go withdraw the money.
Why does it matter?
If you ever deposit a check with Netspend and you want to cash out, you want ATMs whose fees will not eat deeply into your check fund. There are out-of-network ATMs out there, which charge outrageous fees to withdraw cash from Netspend card. Not only withdraw cash, but also be charged to check your Netspend account balance. Oh yes- unfortunately, it is a real thing with Netspend card.
On this article, I am going to show you where you can find ATMs that will not charge you to use them. Also, I will talk about the fees you may be charged in certain ATMs. Finally, the limits of ATM withdrawals on Netspend cards.
Netspend ATM Locations Near Me
There are many Netspend ATM locations near me or you right now. Some of them are nationwide stores we go to shop at. Others are just gas stations with ATMs that work with Netspend.
Below are a list of retail stores you could withdraw money from your Netspend card.
- Walmart
- CVS
- Walgreens
- 7-Eleven
These retail stores can allow cash withdrawals through a cash back system or ATMs they have. As you can see, the above stores are the same places you reload a Netspend card. When using cash back, these are usually free. I encourage you reach out to the stores, before heading out to make sure it is free.
What ATMs Work With Netspend?
You can withdraw cash with Netspend card through All access point, Visa plus alliance and Money pass ATMs. Most ATMs are under these ATM providers. According to Netspend, you can withdraw from virtually any ATM as long as it is in the United States. So, how do I find a Netspend ATM near me?
Here is what I want you to know about these ATMs.
1. AllPoint ATMs
AllPoint has more than 40,000 ATMs in the US. Most of them are located in Target, CVS pharmacy, Kroger, Walgreens, RiteAid, Costco or Racetrack. These are not the only places.
You can put your address or zip code at AllPoint ATM Locator to find a Netspend ATM. Allpoint ATMs usually claim there is no surcharges at their ATM locations. Netspend will still charge you an ATM withdrawal fee though.
2. Money Pass ATMs
You can find a Money Pass ATM at a bank or local gas staton. Be sure the ATM says Money Pass on it. This is to avoid paying additional surcharges.
Some locations that carry these ATMs include 7-Eleven, PNC at Wawa, Quick serve or Capital One branch. I do not know which places in your city have Money Pass ATMs, but you can use the Money Pass ATM locator to find the nearest one to you.
3. MasterCard ATMs
One of the Netspend ATM near me is Mastercard ATM. You can find these at banks and credit unions. I am pretty sure your bank has either a Mastercard ATM, or a Visa one. If you are not too sure, you can just use an ATM locator to find one.
To find Netspend ATM locations near me now, I encourage you to use Mastercard ATM locator. It shows which banks, credit unions or cash places have these ATMs. All you need is just your zip code or address to see the nearest one.
4. Visa ATMs
Netspend ATM locations include Visa ATMs. You can use Visa ATM locator to find one close to you. Visa claims its ATMs are surcharge free. Be sure to check the fee first at a location, before attempting to withdraw cash.
The thing about these Netspend ATM locations is they may or may not charge you a fee in addition to what Netspend already charges. Yes- netspend charges you a fee to withdraw money from an ATM. The fee could be higher, when it is an out-of-network ATM. This is especially, when the ATM operator has its own fees. I will talk about Netspend ATM fees next.
Does Netspend Charge ATM Fees?
Netspend charges ATM fees. These fees are classified as in-network ATM fee, out of network surcharges and ATM balance inquiry fee. Below is what I want you to know about these fees.
Netspend In-Network ATM Fees
There is a $2.00 fee charge for withdrawals at netspend in-network ATMs. This is for both domestic and international withdrawals. Also, you may be charged a fee by the ATM operator. This is especially, when it is outside of the network.
Netspend ATM Balance Inquiry Fee
Netspend charges $1.00 to inquire about your balance at an ATM. This amount is charged per inquiry. What this means, you will be charged this amount every single time you check your balance. If the ATM operator charges a fee to do this, the fee will be in addition to the $1.00 charged by Netspend.
Hence, why I recommend doing a Netspend ATM balance inquiry using in-network ATMs. This is especially, when you add money to a Netspend card. And, just want to know the current balance.
Out-Of-Network ATMs
The ATM operators will charge based on their own policies. Netspend has no control over it. You will still be charged Netspend’s ATM withdrawal fee of 2.00. However, the out-of-network ATMs will impose an additional fee for cashing money out of its ATMs.
So, how do you avoid ATM fees with Netspend?
Unfortunately, you cannot avoid ATM fees with Netspend. You can keep it at $2.00 by using its in-network ATMs. Otherwise, you are going to pay that $2.00 in addition to whatever the ATM operator charges you. Personally, I think it is utterly ridiculous.
But then, Netspend is not a bank. It is a financial technology, which offers some banking benefits to working class adults without them hassling about maintaining a bank account. Therefore, I can understand why it does not have its own ATMs.
Netspend Card Withdrawal Limit
Netspend ATM withdrawals has a limit of $325 per transaction. This amount could be lower depending on an ATM operator’s policy. Each ATM has a limit to how much you could cash out, but it will not be more than $325 per transaction.
Additionally, you could withdraw up to $940 per day from an ATM using a Netspend card. This is the maximum withdrawal amount per day. Although this is the maximum, I want you to know you can perform more than six transactions a day. This is as long as you do not exceed $940 per day and $325 per transaction.
For over-the-counter withdrawals, you have a limit of $5000 per transaction. This is the most you can withdraw from retail stores or banks. The cost for this could be up to 2.75% of the withdrawal amount or $4.00.P
On the whole, there are Netspend ATM locations in every US city. You just have to know which is in-network or out-of-network to avoid outrageous withdrawal fees. Sometimes, where you add money on a Netspend card is the same place you can do an OTC cash withdrawal. Whether you decide to use Over-the -Counter withdrawal or ATM, my article should set you on the right path.
How To Add Money On Netspend Card