MasterCard offers an ATM locator tool on its website at MasterCard.com. MasterCard, Maestro, and Cirrus are all MasterCard-owned brands. MasterCard, Maestro, and Cirrus cards may all be used at any ATM with the MasterCard, Maestro or Cirrus logo. In addition to the ATM locator tool on its website, Cirrus customers in the United States may call 800-424-7787 for assistance with locating an ATM.
While a Cirrus card may be used at any MasterCard, Maestro, or Cirrus ATM, in the United States, these ATMs are typically operated by a partnering financial institution. If the financial institution that operates an ATM is different from the financial institution that issued the Cirrus card, it may charge fees in order to use the ATM. To avoid these ATM fees, Cirrus customers can select the financial institution that issued the Cirrus card when using MasterCard's ATM locator in order to find the nearest ATM operated by that financial institution.
Any ATM fees that are associated with the use of a Cirrus card in the United States are determined by the operator of the ATM, not by MasterCard. All ATM fees must be disclosed to the user, and the user is then given the option to discontinue the transaction without incurring any fees.