Most ATMs in the U.S. are designed to dispense $20 bills. But what if you need smaller denominations like $1 or $5—or larger bills like $50? In 2025, a growing number of banks and credit unions are offering flexible ATM withdrawal options, though availability varies by location and institution. If you’re looking for general banking alternatives, see our guide to cashing checks without a bank account.
Why Most ATMs Dispense $20s
The $20 bill has long been the standard for ATMs because it balances convenience, cash loading efficiency, and security. Dispensing $1s or $5s would require banks to refill machines more often, while $50s or $100s pose security and fraud risks.
ATMs That Offer $1 or $5 Bills
While rare, some ATMs do dispense $1s and $5s. These are often found at:
- Credit unions: Many community credit unions cater to local members and provide small bill options.
- Regional banks: Some smaller banks may stock $5s in addition to $20s.
- College campuses: Student-friendly ATMs sometimes provide $5 bills for convenience.
If you specifically need small bills, check this resource on ATMs that dispense $5 bills for more details.
ATMs That Offer $50 Bills
Larger bills like $50s are less common but available at some national banks. They’re useful for bigger withdrawals, especially if you want fewer bills to carry. Typically, you’ll find $50-dispensing ATMs at:
- Chase: Select machines allow you to choose denominations, including $50s.
- Bank of America: Some newer ATMs give mixed bill options, like $20s and $50s.
- Wells Fargo: Enhanced ATMs in certain markets offer denomination selection.
How to Find an ATM with Custom Denominations
- Use your bank’s ATM locator tool—many list denomination options.
- Check advanced resources like this ATM withdrawal limits comparison for limits and availability.
- Look for “Smart ATMs” or “enhanced ATMs” at larger branches.
Alternatives if You Need Small Bills
- Ask a teller: Inside the branch, you can request any bill denomination.
- Retail purchases: Buy a small item with a larger bill to get change.
- Coin counters: Stores like Publix have coin machines—see our Publix coin counter guide for details.
FAQ
Do ATMs ever give $10 bills?
Yes, some ATMs do dispense $10s, though they’re less common than $20s. Learn more in this guide on ATMs that let you withdraw $10 bills.
Can I choose my bills at the ATM?
At “Smart ATMs” or enhanced ATMs, you may be able to select a mix of denominations like $5s, $20s, and $50s. Availability depends on the bank and location.
Which banks have the most flexible ATMs?
Chase, Wells Fargo, and Bank of America are leaders in offering denomination selection at advanced ATMs. Credit unions are also good for $1 and $5 access.
Conclusion
In 2025, most ATMs still dispense $20s by default, but some banks and credit unions provide $1s, $5s, $10s, or $50s. If you need smaller or larger bills, check your bank’s ATM locator or visit a teller for exact change. For deeper insights, see the ATM Near Me guide on ATMs-NearMe.com.