How to Find In-Network, Free ATMs for Your Cash Card

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Avoid ATM fees on your Cash App card with our full guide

Written by Hannah Dillon

Last Updated: September 12, 2025 Fact Checked

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• Which ATMs are free?
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• Avoiding ATM Fees
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• Cash App ATM Finder
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• Direct Deposit Setup
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• Video

|Show more |Show less

As a Cash Card owner, you can use your card from Cash App to withdraw money at any ATM. While Cash App does charge an unavoidable $2.50 transaction fee, several in-network ATMs will not charge extra withdrawal fees. This wikiHow article provides a full rundown of where Cash Card owners can withdraw from ATMs for free, tips for avoiding Cash App's ATM fees, and how to use Cash App's free ATM finder.

Free Cash App ATMs

• Cash App charges a $2.50 transaction fee for all ATM withdrawals, but in-network ATMs will not charge a fee on top of that.
• Cash App doesn't say which ATMs are in-network, but users have gotten free withdrawals from MoneyPass, Allpoint, and PULSE ATMs.
• Cash App's ATM fee will be reimbursed immediately if you get at least $300 in paycheck direct deposits per month.

Steps

Section 1 of 4:

Free ATMS for Cash App

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1. 
   Cash App does not explicitly specify which ATMs are in-network. However, users online have found that MoneyPass, Allpoint, and PULSE ATMs do not charge an extra fee when withdrawing money from your Cash Card.

   • Regardless of the ATM you use, Cash App will always charge a $2.50 fee unless you get at least $300 directly deposited into your Cash App account monthly. Learn how to set this up below.
   • Customers who meet the direct deposit requirements for free in-network ATM withdrawals will also get one free out-of-network ATM withdrawal per month.
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Section 2 of 4:

How to Avoid Cash App ATM Fees

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1. 
   1
   Seek in-network ATMs. While there's no explicit list of in-network ATMs for Cash App, users have found that Allpoint, PULSE, and MoneyPass ATMs tend not to charge extra fees for Cash Card users. These ATMs tend to be located at gas stations, grocery stores, or convenience stores.

   • Use this tool to find an Allpoint ATM near you.
   • Use this tool to find a PULSE ATM near you.
   • Use this tool to find a MoneyPass ATM near you.
2. 
   2
   Set up direct deposits. If you get $300 or more added to your Cash App account via paycheck direct deposit, you will be eligible for free ATM withdrawals at in-network ATMs (and one free out-of-network ATM withdrawal per month).

   • Learn how to set up direct deposits with Cash App below.
3. 
   3
   Don't use an ATM. Many stores offer free cash back with a purchase. If you're already using your Cash Card to buy something at a store that offers cash back, get cash when you make that purchase. Otherwise, consider buying something at Dollar Tree (which costs $1.25) to get cash back and save a little on Cash App's ATM fee.
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Section 3 of 4:

Finding a Free ATM Near You

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1. 
   Use the Cash App ATM finder. To find the nearest fee-free ATM, tap the Cash Card tab within Cash App and select Find an ATM. Use the onscreen map to find an in-network ATM near you or enter an address to find one elsewhere.

   • Tap the icon for the ATM on the map to see its details, including hours and address. Press and hold the address to open it in your navigation app.
   • You may need to grant Cash App location permission if you have not already.
   • You cannot see this page unless you have a Cash Card.

Section 4 of 4:

Setting Up Direct Deposits

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1. 
   1
   Tap the Money tab in Cash App. It's the tab in the bottom left corner of your screen. The icon looks sort of like a house, or three lines with a triangle on top.
2. 
   2
   Tap Direct deposit. You'll only be able to progress further if you have a Cash Card. If you don't have a Cash Card, you can't withdraw money from Cash App at an ATM.

   • To get a Cash Card, tap the Get your free card button on the direct deposit page and follow the prompts on the screen.
3. 
   3
   Tap Create a pre-filled form. This will create a direct deposit form that you can fill out with your and your employer's information so you can set up direct deposit.
4. 
   4
   Fill out the required information. Cash App will fill out some of the information (such as your account and routing numbers), but you must fill out the rest of the form. Here's the info you'll need to provide:

   • Your information
   • Your employer's information
   • How much money you want deposited from each paycheck into Cash App
   • Your signature
5. 
   5
   Confirm your email. Once you confirm, the finished direct deposit form will be available for download. Once you download the form, you can provide it to your employer's payroll department to set up direct deposit into your Cash App account.

   • If your employer needs Cash App's address, provide the following: Block Inc., c/o Sutton Bank, 1 S. Main St, Attica, OH 44807
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