Skip to main content

What you can and can’t do at ATMs

Skip to main content

ATMs are a convenient way to manage your money. They are quick and efficient and more private than over-the-counter transactions. ATMs are usually available 24 hours a day, seven days a week. However, there are some thing you can't do on an ATM.

Are there different types of ATMs?

While every bank or independent ATM operator will have its own style of ATM, they can be broken down into two main categories:

  • On-site ATMs – maintained and operated by banks, which can be found at banks, inside or outside the building
  • Off-site ATMs – maintained and operated by banks or independent ATM operators, which are installed in places like shopping malls, movie theaters and supermarkets.

At Kroger you’ll usually find independently operated Allpoint-enabled and Allpoint-branded ATMs. If you use your 1-2-3 Rewards Prepaid Debit Card at these, you won’t be charged a fee at the ATM or by the bank. You may also find bank ATMs that may allow you to deposit checks/cash, or withdraw lower value bills.

What you can do at ATMs

ATMs are useful for quick banking tasks on the go. Here’s what you can do at ATMs:

  • Check your account balance. Before withdrawing any cash it’s a good idea to make sure you have enough money in your account to withdraw. All ATMs give you this option, and you can usually choose whether or not to print your current balance, or view it on screen.
  • Withdraw cash. ATM withdrawal limits vary between independently-owned ATMs and bank-owned ATMs. You can usually withdraw up to $400 from an independently-owned ATM. Some bank-owned ATMs will let you withdraw up to $800. If you have a 1-2-3 Rewards Prepaid Debit Card, you can get free withdrawals at Kroger’s Allpoint ATMs.
  • Deposit cash. As well as taking money out of an ATM, you put money on certain prepaid cards. If you have cash in hand, you can load it straight onto your card or into your account by following the instructions on screen.
  • Deposit checks. At some ATMs you can deposit checks into an account. If you have a check in hand, you can load it straight onto your card or into your account by following the instructions on screen.

What you can’t do at ATMs

Here's a list of some thing you can do at the counter but not at ATMs.

  • Withdraw coins or low-value denominations. ATMs give out cash rather than coins – so if you need to withdraw odd amounts, change or a small amount of money, it’s best to visit Money Services in your local Kroger Family of Companies store. You can take up to $5,000 off your pre-paid debit card for the same cost as cashing a check. You can also get the exact amount you need – down to the penny – unlike at ATMs. To make your trip even faster, you can get up to $300 cash back in our regular checkout lanes while shopping for groceries for a $3 fee.
  • Pay bills. You can’t use ATMs to pay bills. At Money Services, you can do that easily by bringing along your bill stub, account number, and the money to cover your bill and a fee.
  • Cash checks. It’s not possible to top-up your prepaid debit card using a check deposited in an ATM or get cash back instantly. To do that you must first cash the check at Money Services, then deposit the money onto your prepaid debit card or take the money home with you.
  • Cash money orders. When you’ve been paid with a money order, the only way of turning it into cash is by bringing it into Money Services with some ID. You can’t redeem a money order at an ATM.

Find your nearest local Kroger store using our Store Locator.

Back to top of page