You can use it when buying groceries, dining out, shopping at the mall, filling up with gas, or ordering merchandise over the phone. You may also receive cash at automatic teller machines (ATM’s). Note: most ATM’s located at banks will charge a fee. To avoid this fee you can get cash back at most grocery stores at no cost, or be sure to use an Allpoint Network ATM machine, which is Surcharge Free for our members! Look for the Allpoint logo: