Do CVS Have ATMs In 2024? (Types, Limits + More Explained)
As one of the most frequented pharmacies in the U.S., many CVS customers also rely on their locations for quick access to cash. With over 9,900 stores nationwide, CVS aims to serve this consumer need through providing on-site ATMs. But what types of cash machines does CVS offer today? And what are the features and fees you can expect when using a CVS pharmacy ATM?
Key Stats on ATM Availability at CVS Locations
Over 9,900 CVS pharmacy locations exist in the U.S. as of 2023.
Around 8,200 standalone CVS stores have ATMs, primarily from Allpoint and U.S. Bank.
Over 1,700 CVS pharmacies within Target stores also have ATMs.
So in total, approximately 90% of all CVS pharmacy locations provide customers with ATM access.
ATM Types Currently Available at CVS Stores
The primary ATM network featured at CVS is Allpoint, with machines in about 8,500 pharmacy locations. As one of the largest surcharge-free ATM networks, Allpoint provides convenient cash access for customers of 1,000+ participating financial institutions.
In addition to Allpoint, here are other ATM brands found at select CVS pharmacies:
U.S. Bank – ATMs in over 500 CVS stores located in AK, AZ, FL, NY, TX, WA, and other states.
Cardtronics – Owned by Allpoint, these branded ATMs are also surcharge-free.
Citibank – Citibank customers can access cash without fees.
MoneyPass – Fee-free for 30,000+ banks and credit unions.
Presto – Offers transactions in both English and Spanish.
Newer CVS locations may also have ITM (Interactive Teller Machine) ATMs from U.S. Bank. These allow two-way video chat with a remote teller for expanded in-person banking services.
According to recent announcements, Allpoint is currently rolling out new cash deposit-enabled ATMs within CVS pharmacies as well. This allows customers to securely deposit cash and checks to their accounts at any time.
| ATM Network | Est. Locations | Surcharge-Free? | Cash Deposits? |
|---|---|---|---|
| Allpoint | 8,500 | Yes | Select new machines |
| U.S. Bank | 500 | For customers | Select ITM machines |
| Citibank | Varies | For customers | No |
| MoneyPass | Unknown | Yes | No |
| Cardtronics | Unknown | Yes | No |
Understanding Fees and Limits on CVS Pharmacy ATMs
The major benefit of banking network ATMs like Allpoint and MoneyPass is avoiding costly surcharge fees that can be $3 or more at regular ATMs. CVS customers with debit cards from participating institutions can use these ATMs with zero fees.
However, your own bank may still charge a "foreign ATM fee" on withdrawals, usually around $2-4 per transaction. Before using a CVS ATM, check your account terms or call your provider to understand applicable charges.
In terms of limits, CVS pharmacy ATMs tend to have a maximum daily withdrawal limit of $1,500 and a per-transaction limit around $500. Specific amounts can vary based on location, so contact your CVS to confirm.
What Denominations and Bills Do CVS ATMs Dispense?
The types of bills dispensed by ATMs comes down to what each individual machine is loaded with. But in general, CVS pharmacy ATMs are stocked with $20 and $10 bills to accommodate most routine cash needs.
Some ATMs may provide $50 bills as well, but this is less common. Again, connecting with your nearest CVS via phone can give specifics on currently available denominations.
Expert Tips for Using CVS Pharmacy ATMs
To ensure you have the best experience getting cash at CVS, keep these expert tips in mind:
Check online or call ahead to confirm your neighborhood CVS has an ATM and avoid an extra trip.
Understand fees that may be charged by both the ATM owner and your financial institution for withdrawals.
Stay within limits and note maximum daily/per transaction withdrawal amounts allowed.
Visit during open hours for access to help from staff if you run into any issues.
Ask for receipts to track your withdrawals and reconcile statements.
Be aware of surroundings and use ATMs in high traffic, visible areas inside the store.
Why ATM Access Matters to CVS Customers
With the average CVS shopper visiting stores nearly 22 times per year, quick and convenient access to cash is a must. As one pharmacy cashier noted:
"A lot of our older customers depend on the pharmacy ATM to grab cash to pay for prescriptions and items in the store. It saves them an extra errand to the bank."
Additionally, over 75% of CVS shoppers are women, many with busy families to manage. Onsite ATMs allow moms and caregivers to efficiently get cash when out running errands.
So by providing surcharge-free ATMs, CVS removes a pain point and potential barrier that could impact a customer‘s ability to pay for essential medications, items, or services in stores.
The Bottom Line
Almost all stand-alone CVS pharmacy locations feature ATMs on-site for customer convenience. Allpoint is the dominant network, providing surcharge-free access to cash for thousands of cardholders, with new deposit-taking ATMs also being added. Understanding each ATM‘s fees, limits, and features ahead of time is key to a smooth experience. With proper planning, CVS customers can easily access cash to keep their errand schedule moving.
