What are AllPoint ATMs and how to use them?

The ATM network of the various banks in the United States is an important resource for people to have access to cash.

It is a dynamic system that adapts to the needs of users and can continue to expand. AllPoint ATMs have been integrated into this network and we will tell you what makes them special.

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What are AllPoint ATMs

As we understand it, the AllPoint Automated Teller Machine network worldwide counts at least 285,000 machines that are distributed in countries such as the United States, Mexico, Canada, Australia or South Africa, among others.

This brand is a division of the North American company NCR, which specializes in promoting access to commission-free cash.

AllPoint ATMIn the U.S., the network is made up of some 55,000 ATMs that you can go to as long as the sponsoring bank or your credit card issuer is affiliated with it.

At the moment there are at least 1,000 financial institutions that have created an alliance with this company to provide better service to their customers.

If you want to withdraw money, make inquiries or other transactions without having to pay, you only have to locate the nearest AllPoint ATM. These machines are usually identified with a large green logo bearing their name.

You can also use the app for your favorite device or use the web locator to find out if your bank or credit union belongs to this network.

The nearest ATM you find may not have the AllPoint logo on it. However, as long as it's listed in the locator, it should give you fee-free service.

How to use an AllPoint ATM

There's no mystery when it comes to using an AllPoint ATM. Once you identify or locate one, and your bank is affiliated with the network, you'll be able to do business as you always have.

Most of the time, you'll just insert your card, enter your PIN and make the transaction you need.

You may get the following message on the screen: "surcharge message". Although this refers to a charge, there are machines with technological limitations that still display this message.

Proceed normally by saying yes and you will see that when the receipt comes out there will be no fee. If for some reason you are charged a fee, you will have to contact the card issuer for reimbursement.

The fact that you want to use an AllPoint ATM does not mean that you cannot use your card in your bank's official network or in other banks' systems. The only difference is that you may be charged a fee when you use an operator that is not linked to your banking institution.

Using AllPoint ATMs without a card

Depending on the bank, it is possible to find AllPoint ATMs where you can make deposits.

Added to this is the advantage of withdrawing cash without having to have a card on hand. Known as Cardless Cash, this service is supported by the Fis Mobile Banking app, which serves as a remote control for the ATM. This app also includes a locator to help you find the nearest ATM.

When you go to withdraw, you must select the Cardless Cash option in the on-screen menu so that the machine generates a QR code. Then you scan the code with the app and once verified, the ATM gives you the money. Upon completion, you get an electronic receipt on your device.

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According to NCR, there are currently 11 thousand ATMs that have this service and 8 thousand more are being prepared to be integrated to the system.

According to the executive vice president of this company, many banks that already have this service in their own ATMs, also want to add it to the AllPoint network, benefiting their account holders.

The same executive points out that users only have to use their smartphone to withdraw money smoothly and securely.

In addition, implementation of QR codes eliminates constant and costly updates for these machines. He stresses that NCR mission is to reduce operating costs for financial institutions and facilitate access to cash for cardholders.

How to avoid fees with AllPoint ATMs?

In our opinion, the AllPoint ATM network is a great advantage for both affiliated banks and their customers.

Most people try to avoid fees for these types of transactions, so this initiative is very welcome. In this way, the banks increase loyalty and the stores that have these machines increase their traffic.

Español: Qué son los cajeros automáticos AllPoint y cómo utilizarlos