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 several have incorporated it into their smart ATM upgrades:
- 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 offering $5, $10, $20, and even $50 bills.
- PNC Bank: Many upgraded ATMs dispense $1 and $5 bills in select regions.
These upgrades began years ago, but banks continue expanding availability as customers request more flexible access to their cash.
Insider Tips for Finding Small-Bill ATMs
Sometimes the official bank locator doesn’t tell the whole story. Try these additional tricks:
- Use store cashback: Major retailers often give $5 or $10 bills during a cashback debit purchase.
- Ask locals or branch staff: Some branches quietly maintain machines with expanded bill options.
- Search for community discussions: Online forums and local groups sometimes share locations with small-bill ATMs.
How to Avoid ATM Fees
If you’re looking for small bills, you don’t want to pay extra fees to get them. 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 accounts you can open online with no deposit, a great option if your current bank charges ATM fees.
Step-by-Step: Finding ATMs With Small Bills
- Check your bank’s mobile app or ATM locator for advanced withdrawal options.
- Start with known networks: Chase, Bank of America, TD Bank, and PNC.
- Look for new “smart” or “advanced” ATMs with bill customization buttons.
- Try cashback at stores if no machines nearby dispense $5 or $10 bills.
- If needed, visit a branch teller to request small denominations directly.
FAQ: ATMs and Small-Denomination Withdrawals
- Do all ATMs let you choose denominations? No, only advanced ATMs or upgraded networks offer this feature.
- Can I get $1 bills from an ATM? Rare, but some banks (like PNC and Chase) offer this in select regions.
- Do I pay extra for small bills? No—fees depend on network status, not the bill size you choose.
Final Thoughts
ATMs with $5 and $10 bills make life easier for budgeting, tipping, and everyday spending. By using your bank’s locator, exploring surcharge-free networks, and watching for upgraded ATMs, you can get the denominations you need 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.