Small bills are one of those everyday essentials that always seem to run out right when you need them. Whether you’re tipping, splitting a bill, managing cash envelopes, or teaching your kids about money, having enough $1s, $5s, and $10s on hand can make life easier. The good news is that there are several reliable ways to get small denominations without stress—or unnecessary fees.
This guide walks through the easiest places to exchange cash for smaller bills, how to request small denominations during withdrawals, and what to do if your bank or ATM can’t help.
Where to Get Small Bills Quickly
1. Your Local Bank or Credit Union
Most banks will exchange larger bills even if you’re not an account holder. However, customers usually get priority and can request any available denominations. Visiting during slower hours—typically mid-morning or mid-afternoon—helps avoid lines.
If you’re exchanging $100 or more, calling ahead ensures they have enough smaller bills ready.
2. ATMs That Dispense Small Denominations
Some ATMs now dispense $5s or even $10s. A few banks allow denomination selection inside their mobile apps when pre-staging a withdrawal. For more help, explore our guide: Which ATMs Give Small Bills?
Availability varies widely by region—urban areas are more likely to have machines that dispense $5 bills regularly.
3. Grocery Stores and Supermarkets
Stores like Publix, Kroger, Walmart, and regional supermarkets often let customers exchange bills at the customer service desk. You can also request smaller bills during checkout when receiving cash back.
Cash-back limits usually range from $40 to $100 depending on the store and your debit card issuer.
4. Retailers with High Cash Volume
Places that handle a lot of cash—such as pharmacies, big box stores, and gas stations—may be willing to break a larger bill if they’re not busy. It’s always best to ask politely and avoid rush periods.
What To Do If Your Bank Won’t Exchange Bills
Some banks limit exchanges for non-customers, and smaller branches may run low on certain denominations. If that happens, these alternatives work well:
- Use self-checkout lanes and request small bills when receiving change.
- Purchase a small item and ask for change in $1s, $5s, or $10s.
- Visit a credit union, which often supports community members even without accounts.
- Try multiple grocery stores—several may be able to help even if one cannot.
Tips for Getting Small Bills More Easily
- Visit earlier in the day—registers are better stocked.
- Ask for mixed denominations when withdrawing inside the branch.
- Use cash-back strategically to get specific bills you need.
- Keep some small bills at home so you don’t start from zero when needed.
Related Money-Saving Guides
Getting small bills doesn’t have to be frustrating. With these easy strategies, you can always keep the denominations you need on hand without extra effort or fees.