Short answer

Most dispensaries in the US have an ATM inside the shop or within a short walk, because federal law keeps cannabis businesses out of standard card processing. So your odds are good. But most is not all. A few shops are cash only with no machine on site, and some that do have one run dry on busy weekends. Check the menu page or call before you drive over.

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Why cannabis shops lean on ATMs

Cannabis is still illegal at the federal level, so Visa, Mastercard, and most major banks will not touch the transactions. FinCEN opened a path for banks to serve licensed marijuana businesses in 2014, but the reporting burden is heavy and plenty of banks still say no. The result is a cash-heavy industry, and an ATM on the sales floor is the simplest fix a store can offer.

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How to confirm a dispensary has an ATM

What the ATM will cost you

Expect a surcharge of roughly two to five dollars per withdrawal on top of whatever your own bank charges for using an out-of-network machine. Daily limits are often low, sometimes a few hundred dollars, so a large order can mean two separate withdrawals and two separate fees. If you plan to spend a lot, bring cash from your own bank and skip the machine.

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Other ways to pay

A growing number of shops accept debit through apps that link to your bank account, and some run debit at the register as a cashless transaction. That last option is restricted or banned in several states, so availability changes by market. Cash is still the safest bet almost everywhere. Delivery orders usually want cash on arrival, and drivers rarely carry change.

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Small things that save a trip

Bring your ID, since you need it to get past the door and to use some in-store ATMs. Note the closing time, because an ATM in a vestibule may only be reachable while the shop is open. And if you are visiting a new city, look up the shop's payment policy the same way you would check its hours.