What ATM Does Citibank Use?

Citibank ATMs in 2026: As of 2026, Citibank doesn’t run its own standalone ATMs anymore. Instead, you’ll find Citibank customers using third-party machines at places like Costco, CVS, Target, Duane Reade, and most Walgreens locations. These aren’t Citibank-owned, but they’re set up to take Citibank debit and credit cards without charging extra fees. It’s part of Citibank’s push to give customers more fee-free access without relying on its own branded ATMs.

What’s Happening: How Citibank ATMs Work in 2026

Citibank doesn’t own a ton of ATMs itself. Instead, it piggybacks on third-party machines in busy retail spots. These aren’t Citibank machines, but they’re hooked into Citibank’s network through interbank deals. By 2026, Citibank’s coverage stretches to over 95% of Costco, CVS, Target, and Walgreens locations across the U.S., with Duane Reade fully on board in major cities. Honestly, this is the best approach for keeping fees low without the hassle of running its own fleet. According to Citibank’s official support site, customers can use their cards at these partner ATMs just like they would at a Citibank machine.

Step-by-Step Solution: How to Use a Citibank Card at a Partner ATM

1. Find a partner ATM. Fire up the Citibank mobile app or website to hunt down nearby ATMs. Filter for “Surcharge-Free” and pick spots at Costco, CVS, Target, Walgreens, or Duane Reade. As of 2026, that’s over 25,000 ATMs nationwide.
2. Slide in or tap your card. At the ATM, plug in your Citibank debit or credit card, or tap it on the NFC reader if the machine supports contactless.
3. Enter your PIN. Type in the 4-digit PIN tied to your Citibank debit card. For credit cards, set up a cash withdrawal passcode by calling Citibank Customer Service at 1-800-CITI-BANK (1-800-248-4226).
4. Pick “Withdraw Cash.” On the ATM screen, choose “Withdraw,” then type in the amount. The machine will confirm and spit out cash without adding a fee.
5. Wrap it up. Grab your card, receipt, and cash. If the ATM doesn’t cough up the cash or the transaction flops, hit retry or “Cancel” and ring up Citibank support.

If This Didn’t Work: Alternatives and Troubleshooting

Hit a snag withdrawing cash at a partner ATM? Try these moves:

• Check your card’s status. Make sure it’s not blocked or expired. Log into the Citibank mobile app or dial 1-800-CITI-BANK to confirm.
• Try a Citibank branch ATM. It’s rare these days, but some Citibank branches still have their own ATMs. Use the Citibank locator tool to find one near you.
• Use a fee-free ATM network. If no partner ATM is in sight, fall back on an Allpoint or MoneyPass ATM—often free for Citibank customers. These networks pop up in plenty of convenience stores and gas stations.

Prevention Tips: Avoid ATM Issues with Citibank

For more on ATM safety and limits, check out the FDIC’s consumer guides on ATM safety, updated for 2026.