What ATMs Give Out $10 Bills and Where Can You Find Them?

Obtaining cash in smaller denominations from an Automated Teller Machine (ATM) can be helpful for everyday transactions. While many ATMs primarily dispense larger bills, some machines offer $10 bills. Locating and utilizing these ATMs can simplify cash management.

Current Denominations Available at ATMs

ATMs in the United States commonly dispense $20, $50, and $100 bills. However, more ATMs now offer smaller denominations, including $10 and sometimes $5 bills. Available denominations depend on the financial institution’s policy, ATM model, and location. Bank-owned ATMs, especially at branches, often provide a wider range of bill sizes than independent ATMs in retail.

Financial institutions decide ATM dispensing capabilities based on local demand and stocking costs. Dispensing $10 bills, for example, requires more frequent replenishment than $20s, increasing servicing costs. Despite these considerations, $10 bills are becoming more available as banks enhance customer experience.

Strategies for Finding $10 ATMs

Finding ATMs that dispense $10 bills requires a proactive approach, as this feature is not universally available. A primary method is using online ATM locators from financial institutions. Many banks and credit unions offer website tools to search for ATMs, often with filters for services like denomination availability. Checking these online resources first can narrow down potential locations.

Mobile banking applications can also be a valuable resource for finding ATMs with desired denominations. Some banking apps integrate ATM locators that provide detailed information about machine capabilities within their network. This can include whether an ATM dispenses $10 or $5 bills, offering a convenient way to check before visiting. Directly contacting a bank’s customer service line can also provide specific information about ATMs in an area and their dispensing options.

Certain financial institutions and locations are more commonly associated with dispensing $10 bills. Larger banks, such as Bank of America, Chase, Wells Fargo, and PNC, have upgraded some ATMs to offer $10s. Local credit unions may also provide smaller denominations to serve their community members. While less common, some retail locations, like certain convenience stores, might also have ATMs that dispense $10 bills.

Practical Advice for $10 Withdrawals

Once an ATM believed to dispense $10 bills is located, specific steps during withdrawal can help obtain desired denominations. Many ATMs have a minimum withdrawal amount, often tied to the smallest bill they stock. While some machines may have a minimum of $20, those dispensing $10 bills might allow withdrawals as low as $10 or $15. Even if an ATM stocks $10 bills, it might still default to dispensing $20s unless a specific option is chosen.

Many modern ATMs offer a “Choose Notes” or “Custom Denominations” feature. After entering the withdrawal amount, users can select the desired mix of bills using on-screen prompts to adjust quantities. If this option is not presented, the ATM will dispense the cash using the fewest number of bills possible.

ATMs can run out of specific denominations, including $10 bills, especially during high demand. If this occurs, the ATM usually displays an unavailability message or cannot complete the transaction. In such cases, any debited amount is typically reversed promptly. Using an out-of-network ATM typically incurs fees, averaging around $4.77 per transaction, from both the ATM owner and your bank. Always verify the amount and denominations received against the transaction details displayed on the screen and printed on the receipt.