Location: Buffalo, United States Currency: USD US$ United States Dollar
ATMs in Buffalo Niagara Airport (BUF) Locations & Hours
Here’s a complete list of ATMs located inside Buffalo Niagara Airport (BUF), plus additional ATMs and banks near Buffalo Niagara Airport (BUF) for convenient cash withdrawals before or after your flight.
M&T Bank ATM — Baggage Claim (Landside, Lower Level)
- Location: Baggage Claim area (Lower Level, landside/public area)
- Hours: 24 hours
M&T Bank ATM — Ground Transportation (Landside, Lower Level)
- Location: Lower Level, in front of Ground Transportation (landside/public area)
- Hours: 24 hours
M&T Bank ATM — Upper Level (Pre-Security) by the Gallery
- Location: Upper Level, before the security checkpoint, near the Gallery / public pre-security area
- Hours: 24 hours
M&T Bank ATM — Post-Security (Airside) near Monarch Gift Shop (ATM 1 of 5)
- Location: Inside security (airside), near the Monarch Gift Shop area
- Hours: 24 hours
M&T Bank ATM — Post-Security (Airside) Concourse (ATM 2 of 5)
- Location: Post-security concourse (airside), along the gates corridor (look for “ATM” signs)
- Hours: 24 hours
M&T Bank ATM — Post-Security (Airside) Concourse (ATM 3 of 5)
- Location: Post-security concourse (airside), along the gates corridor (look for “ATM” signs)
- Hours: 24 hours
M&T Bank ATM — Post-Security (Airside) Concourse (ATM 4 of 5)
- Location: Post-security concourse (airside), along the gates corridor (look for “ATM” signs)
- Hours: 24 hours
M&T Bank ATM — Post-Security (Airside) Concourse (ATM 5 of 5)
- Location: Post-security concourse (airside), along the gates corridor (look for “ATM” signs)
- Hours: 24 hours
Reverse ATM (Cash-to-Card Kiosk) — Main Lobby Elevators
- Location: Terminal lobby, near the lobby elevators (turn cash into a prepaid debit card)
- Hours: During terminal operating hours (availability can vary; check the kiosk screen)
M&T Bank ATM (ATM Only) — 4200 Genesee St (Airport Address)
- Location: 4200 Genesee St, Cheektowaga, NY 14225 (Buffalo Niagara International Airport address; use terminal signage to reach the on-site ATM locations)
- Hours: 24 hours
M&T Bank — Union Road (Branch & ATM)
- Location: 3700 Union Rd, Cheektowaga, NY 14225 (short drive from the airport)
- Hours: Branch lobby varies by day; ATM is typically available 24/7
M&T Bank — Airport Genesee (Branch & ATM)
- Location: 4237 Union Rd, Cheektowaga, NY 14225 (near the airport corridor)
- Hours: Branch lobby varies by day; ATM is typically available 24/7
KeyBank — Walden Galleria Branch (Branch & ATM)
- Location: 1675 Walden Ave, Cheektowaga, NY 14225 (near the airport and Galleria area)
- Hours: Mon–Thu 9:00–16:00, Fri 9:00–17:00, Sat 9:00–12:00, Sun closed (ATM access may be available beyond lobby hours)
Citizens — Cheektowaga Galleria (Branch & ATM)
- Location: 1722 Walden Ave, Cheektowaga, NY 14225 (near the airport and Galleria area)
- Hours: Mon–Thu 9:00–16:00, Fri 9:00–17:00, Sat 9:00–12:00, Sun closed (ATM access may be available beyond lobby hours)
Bank of America — Harlem Road Financial Center (Drive-Thru ATM)
- Location: 3842 Harlem Rd STE 1500, Cheektowaga, NY 14215 (drive-thru ATM)
- Hours: ATM open 24 hours
Chase — Sheridan and Alberta (Branch with ATM)
- Location: 3122 Sheridan Dr Ste 300, Buffalo, NY 14226 (branch with ATM; a short drive from BUF)
- Hours: Tue–Fri 9:00–17:00, Sat 9:00–14:00, Sun closed (check on-site ATM access after lobby hours)
One Credit Union — Union Road Main Office (Branch)
- Location: 3517 Union Rd, Cheektowaga, NY 14225 (near the airport corridor)
- Hours: Mon/Tue/Thu 8:30–16:00, Wed 10:00–16:00, Fri 9:00–18:00 (lobby closes at 17:00; drive-thru closes at 18:00)
Fees at BUF ATMs (what to expect): Buffalo Niagara International Airport ATMs are operated by M&T Bank and will show any operator surcharge on-screen before you finalize a withdrawal. Your own bank may also add an out-of-network fee and/or foreign transaction fee. If a screen offers a currency-conversion “rate” (DCC), choose to be charged in USD to let your bank handle the conversion.
Buffalo Niagara Airport (BUF) ATMs Walkthrough & Map
Follow the step-by-step walkthrough below to find ATMs when arriving at Buffalo Niagara Airport (BUF). For terminal maps and official airport info, visit Buffalo Niagara Airport (BUF) map/homepage.
Arrivals (All Flights) — Fastest ATM Route to Landside ATMs
- After landing at Buffalo Niagara Airport (BUF), follow overhead signs for Baggage Claim (BUF is a single-terminal airport, so all passengers flow toward the same arrivals level).
- Walk into the Baggage Claim hall (Lower Level) and collect your luggage.
- Before exiting outside, scan the public area for an “ATM” sign—BUF has ATMs placed in the landside arrivals/ground-transportation areas.
- If you are standing by the carousels, look for the M&T Bank ATM in the Baggage Claim area (this is the most convenient “I just landed” ATM).
- If you don’t see it immediately, walk toward the Ground Transportation side of the Lower Level (near the exit doors leading to pick-up, rideshare, shuttles, and buses).
- You should find another M&T Bank ATM positioned in front of Ground Transportation. Use this one if you’re meeting a driver or heading straight to a shuttle.
- After you withdraw cash, continue to the appropriate curb zone (pickup/rideshare/shuttle) right outside the Lower Level.
Departures / Pre-Security — How to Find the Upper Level (Landside) ATM
- Enter the terminal and go to the Upper Level (Ticketing/Departures).
- Stay before security and walk along the public departures corridor.
- Look for the Gallery area and nearby signage for “ATM”.
- Use the M&T Bank ATM located on the Upper Level pre-security if you want cash before you clear TSA.
- Once finished, proceed to TSA Security when you’re ready to enter the gates area.
Post-Security (Airside) — How to Find the 5 Airside ATMs
- After clearing TSA Security, you’ll enter BUF’s airside concourse where the gates, shops, and restaurants are located.
- Look for signs reading “ATM” as you walk the concourse.
- A convenient anchor point is the Monarch Gift Shop—there is an M&T Bank ATM located near this area.
- BUF has multiple airside ATMs (five total post-security). If the nearest one is busy or temporarily out of service, walk a short distance further down the concourse and check the next ATM location.
- Finish your withdrawal and continue on to your gate.
Quick BUF Landmarks That Mean You’re Close
- Landside arrivals: If you can see baggage carousels and the public exit doors to pick-up lanes, you are in the correct zone for the Baggage Claim and Ground Transportation ATMs.
- Pre-security departures: If you are on the ticketing level and have not yet entered TSA, you are in the right area for the Upper Level pre-security ATM.
- Airside: If you are walking between gates and can see major shops like Monarch Gift Shop, you’re in the right corridor for the post-security ATMs.
Use the map below to find the nearest ATMs and banks near Buffalo Niagara Airport (BUF), especially if you can’t use the ATMs inside the airport or prefer to withdraw cash outside the airport.
ATM Withdrawal Tips & Advice for Buffalo Niagara Airport (BUF)
- If you land late: BUF’s M&T ATMs are typically available 24/7, so they’re one of the most reliable ways to get cash if airport shops are closed.
- Arrivals strategy: If you’re picking up a rideshare/taxi/shuttle immediately, use the Lower Level Ground Transportation ATM so you’re already positioned near the exit doors and curb zones.
- Pre-security vs. post-security: If you want cash for checked-bag tips, airport parking, or outside vendors before you enter TSA, use the Upper Level pre-security ATM. If you forgot, you can still withdraw airside after TSA.
- Know the operator: BUF’s in-terminal ATMs are operated by M&T Bank, so M&T customers may have better fee outcomes than they would at a random third-party ATM.
- Reverse ATM is not cash: The Reverse ATM near the lobby elevators converts cash into a prepaid debit card—useful if a counter or venue won’t accept cash, but it won’t give you physical bills back.
- Busy travel periods: During peak holiday or snow-disruption days, airside ATMs can develop short lines; if you see a line at one, walk a bit further along the concourse to try the next airside ATM.
- Have a backup plan: If your card is blocked for travel or an ATM is out of service, the fastest off-airport backups are the nearby bank branches/ATMs along Union Rd, Walden Ave, and Harlem Rd.
FAQs – Buffalo Niagara Airport (BUF) ATMs
How many ATMs are inside Buffalo Niagara Airport (BUF)?
BUF has multiple in-terminal ATMs operated by M&T Bank, including landside ATMs near arrivals/ground transportation and several post-security (airside) ATMs along the concourse.
Are BUF airport ATMs open 24 hours?
BUF’s M&T Bank ATMs are generally available 24 hours a day, but a machine can occasionally be offline for maintenance—if one isn’t working, try the next ATM location in the terminal.
Where is the easiest ATM to use right after landing at BUF?
The easiest “just landed” ATM is typically on the Lower Level near Baggage Claim, before you exit to the pick-up lanes.
Is there an ATM after security at BUF?
Yes. BUF has multiple ATMs post-security (airside), so you can withdraw cash even after clearing TSA.
Does BUF have a cash-to-card machine (Reverse ATM)?
Yes. BUF has a Reverse ATM kiosk near the lobby elevators that can convert cash into a prepaid debit card.
What fees should I expect when withdrawing at BUF?
Any ATM surcharge is shown on-screen before you confirm the withdrawal. Your own bank may also charge an out-of-network fee, and international cards may incur foreign transaction fees.
What should I do if a BUF ATM is out of cash or out of service?
Try a different M&T ATM in the terminal (landside or airside). If you’re already leaving the airport, nearby bank branches/ATMs along Union Road, Walden Avenue, and Harlem Road are convenient backups.
Can I find a bank branch close to BUF if I need teller help?
Yes. Several banks and credit unions are located a short drive from the airport (Cheektowaga/Galleria area), which can be useful if you need teller services or a card replacement rather than just an ATM withdrawal.
Buffalo Airport Related Services
- BOOK an AIRPORT HOTEL in Buffalo or SLEEPING PODS
- RENT a CAR in Buffalo Airport or BOOK a PRIVATE TRANSFER
- STORE your LUGGAGE in Buffalo Airport or NEARBY
- BUY a LOCAL eSIM for Buffalo, United States or a GLOBAL eSIM