How to Find ATMs That Dispense $5 and $10 Bills Near You

Need smaller bills from the ATM? You’re not alone. Most machines spit out $20s by default, but sometimes you need a $5 or $10 bill for tipping, splitting costs with friends, or managing your budget. Thankfully, some banks now offer ATMs that let you choose your denominations.

This guide covers where to find ATMs that dispense $5 and $10 bills, tips to avoid fees, and insider tricks for making your cash withdrawals as convenient as possible.

Why Smaller Denominations Matter

Getting small bills isn’t just about convenience—it’s about flexibility. Whether you’re:

Paying cash at a local market
Tipping service providers
Splitting costs among friends
Managing a tight weekly budget

… having $5s and $10s instead of $20s can make a big difference.

Some banks even combine this feature with cardless cash access, letting you skip the debit card entirely.

Which Banks Offer $5 and $10 Bill Withdrawals

Not every bank offers this feature, but some have stepped up:

Chase ATMs: Many locations let you choose $5, $10, and $20 bills.
Bank of America: Flexible withdrawal options, sometimes even custom mixes. See our Bank of America ATM limits guide for details.
TD Bank: Known for letting customers pick from $5, $10, $20, and even $50 bills.
PNC Bank: Recently upgraded ATMs in many regions now dispense $1 and $5 bills.

These upgrades began years ago, but banks continue expanding availability as customers request more convenient cash access.

Insider Tips for Finding Small-Bill ATMs

Sometimes the official bank locator isn’t enough. Here are some extra tips:

Use store cashback: Big-box stores like Walmart and many grocery chains let you request small bills during cashback.
Ask locals or branch staff: Not all ATMs in a chain offer the same features.
Bookmark helpful guides: ATMs That Dispense $5 Bills and ATMs That Let You Withdraw $10 Bills

How to Avoid ATM Fees

If you’re looking for small bills, you don’t want to pay extra fees on top of it. Stick with in-network ATMs or surcharge-free networks like:

Allpoint: 55,000+ ATMs across the U.S.
MoneyPass: 61,000+ ATMs nationwide

Opening a new account? Some banks even offer online accounts with no deposit required, a smart choice if your current bank charges fees.

Step-by-Step: Finding ATMs With Small Bills

Check your bank’s app or locator tool for advanced ATM features.
Start with known banks: Chase, Bank of America, TD Bank, and PNC.
Look for new “smart” ATMs with customization options.
Try cashback at stores if no ATMs nearby offer $5 or $10 bills.
As a last resort, visit a branch and ask for small bills at the teller window.

FAQ: ATMs and Small-Denomination Withdrawals

Do all ATMs let you choose denominations? No, only advanced models or certain bank networks offer this feature.
Can I get $1 bills from an ATM? Rare, but some banks like PNC and Chase have piloted $1 bill options.
Do I pay extra fees for small bills? No, fees depend on whether the ATM is in-network, not the bill size.

Final Thoughts

ATMs with $5 and $10 bills make life easier for budgeting, tipping, and small purchases. By using your bank’s locator, exploring surcharge-free networks, and checking our ATM guides, you can find the right machine near you—without extra hassle or fees.

And if you need financial services beyond ATM withdrawals, Eastwood Bank has you covered, from money orders to online title loans for added flexibility.