Most ATMs in the U.S. still dispense $20 bills—but a growing number of banks offer small-bill options like $1s, $5s, or $10s. These “denomination-select” or “Smart ATMs” make it easier to withdraw exact cash for everyday spending, splitting bills, or budgeting.
This guide covers which banks offer small bills, how to find an ATM near you, workarounds if your bank doesn’t support them, and the best alternatives for getting small change.
For related tips, see our guides on ATMs that dispense $1, $5, or $50 bills and where to get $10 bills near you.
Banks With ATMs That Give Small Bills
Only select banks offer smaller-denomination options. Here are the major providers:
1. Chase Bank
Many Chase “denomination-select ATMs” allow withdrawals in $1, $5, $10, and $20 increments. Availability varies by region.
- Small bills offered: $5, $10 (some locations $1)
- Best for: Mixed-denomination withdrawals
- Find ATMs: Chase app → ATM Services → “Denominations available”
2. Wells Fargo
Wells Fargo offers some of the most flexible ATMs in the U.S., especially at larger branches.
- Small bills offered: $1, $5, $10, $20
- Includes Smart ATMs and Envelope-Free ATMs
- Find ATMs: Use Wells Fargo ATM locator
3. Bank of America
Some Bank of America ATMs offer $10 and $50 bills, with a few locations offering $5s.
- Small bills offered: $10 (occasionally $5)
- Find ATMs: BOA locator → “ATM Services” filter
4. PNC Bank
PNC’s modernized ATMs provide more denomination options than most regional banks.
- Small bills offered: $1, $5, $10 (varies)
- Availability strongest at full-service branches
5. Select Credit Unions
Credit unions are surprisingly reliable for $1 and $5 bills, especially local branches that serve students or military communities.
- Common denominations: $1, $5, $10
- Examples: Navy Federal, local university credit unions
- Tip: Credit unions often list ATM features on their website
How to Find ATMs That Offer Small Bills
- Use your bank’s ATM locator and look for “denomination selection,” “Smart ATM,” or “multi-denomination withdrawals.”
- Search for full-service branches instead of stand-alone machines.
- Call ahead—bank employees can confirm the exact denominations loaded.
- Visit upscale or high-traffic branches (they get upgraded machines first).
Smallest Bills Commonly Dispensed by ATMs
- $1 bills: Rare, usually at Wells Fargo or select credit unions
- $5 bills: Moderately available at Chase, Wells Fargo, PNC
- $10 bills: Widely available at Bank of America, Chase, Wells Fargo
- $20 bills: Standard for nearly all ATMs
Alternatives if You Need Small Bills
- Ask a teller for specific denominations
- Make a small purchase and request change at the register
- Use coin counters—see our Publix coin counter guide
- Withdraw cash at stores that allow cash-back in $5 or $10 increments
- Visit local credit unions that stock smaller bills
FAQ
Do any ATMs give $1 bills?
Yes—Wells Fargo and some credit unions offer $1 bills at select branches.
Which bank has the most flexible ATM denominations?
Wells Fargo and Chase offer the most consistent multi-denomination ATMs nationwide.
Do all Smart ATMs offer small bills?
No. “Smart ATM” usually means envelope-free deposits, not guaranteed small bills. Check your bank’s locator.
Conclusion
ATMs that dispense $1, $5, and $10 bills are becoming more common—especially at Chase, Wells Fargo, PNC, and select credit unions. Use your bank’s locator or call your nearest branch to confirm availability. For more help finding small bills or withdrawal options, explore our related ATM guides throughout GoodMoneyKeeping.com.