Location: Phoenix, United States Currency: USD US$ United States Dollar
ATMs in Phoenix Sky Harbor Airport (PHX) Locations & Hours
Here’s a complete list of ATMs located inside Phoenix Sky Harbor Airport (PHX), plus additional ATMs and banks near Phoenix Sky Harbor Airport (PHX) for convenient cash withdrawals before or after your flight.
Bank of America ATM — Terminal 3 Level 1 (Pre-Security Baggage Claim)
- Location: Terminal 3, Level 1 Baggage Claim, across from Door 5 (pre-security / landside)
- Hours: Generally available 24/7 (subject to terminal access and maintenance)
Bank of America ATM — Terminal 3 (Post-Security Near Gate F5)
- Location: Terminal 3, post-security, near Gate F5
- Hours: Typically aligned with terminal/airside operating hours
Bank of America ATM — Terminal 3 (Post-Security Near Entrance to E Concourse)
- Location: Terminal 3, post-security, near the entrance to E Concourse
- Hours: Typically aligned with terminal/airside operating hours
Bank of America ATM — Terminal 4 Level 1 East End (Pre-Security Near Elevator B)
- Location: Terminal 4, Level 1, East End near elevator B (pre-security / landside)
- Hours: Generally available 24/7 (subject to terminal access and maintenance)
Bank of America ATM — Terminal 4 Level 2 West End (Pre-Security Near Door 24)
- Location: Terminal 4, Level 2, West End near Door 24 (pre-security / ticketing side)
- Hours: Generally long hours aligned with terminal operations
Bank of America ATM — Terminal 4 Level 3 (Pre-Security Near Indigenous)
- Location: Terminal 4, Level 3, near Indigenous (pre-security public area)
- Hours: Generally long hours aligned with terminal operations
Bank of America ATM — Terminal 4 (Post-Security Near Gate A1)
- Location: Terminal 4, post-security, near Gate A1
- Hours: Typically aligned with airside operating hours
Bank of America ATM — Terminal 4 (Post-Security Near Gate B1)
- Location: Terminal 4, post-security, near Gate B1
- Hours: Typically aligned with airside operating hours
Bank of America ATM — Terminal 4 (Post-Security Near Gate C1)
- Location: Terminal 4, post-security, near Gate C1
- Hours: Typically aligned with airside operating hours
Bank of America ATM — Terminal 4 (Post-Security Near Gate D1)
- Location: Terminal 4, post-security, near Gate D1
- Hours: Typically aligned with airside operating hours
Cash to Card Machine (Not ATM) — Terminal 3 Level 1 (Delta Ticketing / Door 1 Area)
- Location: Terminal 3, Level 1, between the Delta Air Lines ticketing counter and Door 1
- Hours: Generally long terminal hours (machine availability may vary)
Cash to Card Machine (Not ATM) — Terminal 4 Level 2 (Near Doors 23 and 25)
- Location: Terminal 4, Level 2, near Doors 23 and 25
- Hours: Generally long terminal hours (machine availability may vary)
Bank of America Walk-Up ATM — Sky Harbor Rental Car Center (Airport Campus)
- Location: 1805 E Sky Harbor Cir S, Phoenix, AZ 85034 (Sky Harbor Rental Car Center / airport campus)
- Hours: Open 24 Hours
Nearby Option: ATM / Bank Cluster — 44th St PHX Sky Train Station Area
- Location: Near the 44th Street PHX Sky Train station and connected transit/light rail area (off-airport edge, quick Sky Train access)
- Hours: Varies by provider; many transit-adjacent ATMs operate long hours
Nearby Option: ATM / Bank Cluster — 24th St PHX Sky Train Station Area
- Location: Near the 24th Street PHX Sky Train station area and surrounding transit-access points
- Hours: Varies by provider; many transit-adjacent ATMs operate long hours
Nearby Option: Bank of America / Major Bank ATMs — East Washington St (Airport Corridor)
- Location: East Washington Street corridor near PHX Sky Train / Light Rail access points (useful if terminal ATMs are busy or out of service)
- Hours: Varies by ATM/branch; many street ATMs are 24/7
Nearby Option: ATM / Bank Cluster — Downtown Phoenix (Light Rail Transfer Route)
- Location: Along Valley Metro Rail route toward Downtown Phoenix, convenient if continuing into the city and you prefer bank-branch ATMs
- Hours: Varies by provider; bank branches mostly weekday hours, exterior ATMs often longer/24/7
Phoenix Sky Harbor Airport (PHX) ATMs Walkthrough & Map
Follow the step-by-step walkthrough below to find ATMs when arriving at Phoenix Sky Harbor Airport (PHX). For terminal maps and official airport info, visit Phoenix Sky Harbor Airport (PHX) map/homepage.
International Arrivals (PHX — Typically Terminal 4)
- After landing, follow signs for Immigration and Passport Control (for international arrivals that are not precleared).
- Proceed to Baggage Claim, collect your luggage, and complete Customs if required.
- Exit into the public arrivals / landside area of Terminal 4.
- For the easiest pre-security cash withdrawal, look for the Terminal 4 Level 1 East End ATM near elevator B.
- If you are already moving upward toward ticketing/check-in circulation, another pre-security option is on Terminal 4 Level 2 West End near Door 24.
- If you are meeting someone or moving through the public terminal core, you can also use the Terminal 4 Level 3 ATM near Indigenous (pre-security).
- If you have a connecting flight and are already past security, use the post-security ATMs near Gate A1, B1, C1, or D1 depending on your concourse.
- If terminal ATMs are busy, out of service, or your card is not accepted, continue to the PHX Sky Train and use nearby airport-campus or station-area ATMs.
Domestic Arrivals (PHX — Terminal 3 or Terminal 4)
- After landing, follow signs for Baggage Claim and Ground Transportation.
- Identify which terminal you arrived at: Terminal 3 or Terminal 4.
- If arriving at Terminal 3: go to Level 1 Baggage Claim and look for the Bank of America ATM across from Door 5 (pre-security / easiest after arrival).
- If arriving at Terminal 4: the easiest pre-security option after baggage claim is the Level 1 East End ATM near elevator B.
- If you’re heading upstairs for pickups/check-in or meeting travelers, you can use Terminal 4’s additional pre-security ATMs at Level 2 near Door 24 or Level 3 near Indigenous.
- If you’re already through security (or in transit), use terminal airside ATMs: T3 near Gate F5 / E Concourse entrance or T4 near A1/B1/C1/D1.
- Withdraw cash before heading to rideshare pickup, taxis, rental cars, or PHX Sky Train to avoid backtracking with luggage.
- If you need a 24-hour backup on the airport campus, the Sky Harbor Rental Car Center Bank of America ATM is a reliable fallback.
Quick PHX Landmarks That Mean You’re Close
- Terminal 3: If you’re on Level 1 Baggage Claim near Door 5, you’re at the main pre-security ATM location for Terminal 3.
- Terminal 4 landside: If you see elevator B (Level 1 East End), Door 24 (Level 2 West End), or the Indigenous store area on Level 3, you’re very close to a pre-security ATM.
- Terminal 4 airside: If you’re near the starts of the A/B/C/D concourses (around A1, B1, C1, D1), you’re close to a post-security ATM.
- Airport-campus backup: If you’re boarding the PHX Sky Train toward the Rental Car Center, you still have a 24-hour ATM option there.
Use the map below to find the nearest ATMs and banks near Phoenix Sky Harbor Airport (PHX), especially if you can’t use the ATMs inside the airport or prefer to withdraw cash outside the airport.
ATM Withdrawal Tips & Advice for Phoenix Sky Harbor Airport (PHX)
- PHX officially publishes a short, specific ATM list—use those exact landmarks. At PHX, the most reliable ATM navigation cues are the published landmarks like Door 5 (T3), elevator B (T4 Level 1), Door 24 (T4 Level 2), and A1/B1/C1/D1 (T4 post-security).
- If you’re arriving at Terminal 3, use the Door 5 ATM before leaving baggage claim level. The T3 pre-security ATM is the simplest option after landing and saves time compared with going through ticketing or backtracking from curbside pickup.
- Terminal 4 has the most ATM options at PHX. If one machine is busy or unavailable, Terminal 4 gives you multiple backups across three pre-security levels and four post-security concourse-start locations.
- Use the Rental Car Center ATM as your airport-campus backup. If terminal machines are crowded or your card is rejected, the Bank of America ATM at the Sky Harbor Rental Car Center is a practical fallback and is listed as 24 hours.
- Foreign currency exchange is not available at PHX. Plan to withdraw USD from an ATM instead of expecting a traditional foreign-exchange counter at the airport.
- If your ATM offers a currency conversion choice, select USD (local currency). This helps avoid unfavorable ATM conversion markups on international cards.
- Traveling with only cash? PHX has cash-to-card machines, but they are not ATMs. These are useful if you need a payment card for airport purchases, but they do not dispense cash.
- Check whether you’re pre-security or post-security before walking far. PHX ATM locations are split clearly by side; going to a gate-area ATM without a boarding pass isn’t possible.
- Keep a note of the exact PHX landmark if there’s a problem. Saying “T4 Level 2 near Door 24” or “T3 near Gate F5” is much more helpful for bank disputes than just “ATM at PHX.”
- If you’re heading to the PHX Sky Train anyway, consider waiting a few minutes for a quieter ATM option off the terminal core. The airport-campus and station-area options can be easier during peak departure banks.
FAQs – Phoenix Sky Harbor Airport (PHX) ATMs
Are there ATMs in both Terminal 3 and Terminal 4 at PHX?
Yes. PHX’s official airport services page lists ATMs in Terminal 3 and Terminal 4, including both pre-security and post-security locations.
Where is the easiest ATM to use right after landing at PHX?
If you arrive at Terminal 3, the easiest option is the Level 1 Baggage Claim ATM across from Door 5. If you arrive at Terminal 4, a common first option is the Level 1 East End ATM near elevator B.
Does PHX have ATMs after security?
Yes. PHX lists post-security ATMs in Terminal 3 (near Gate F5 and the E Concourse entrance) and in Terminal 4 (near A1, B1, C1, and D1).Are PHX airport ATMs open 24 hours?
Some PHX ATMs may be accessible for very long hours, but access depends on terminal operating conditions and whether the ATM is pre-security or airside. For a strong airport-campus backup, the Sky Harbor Rental Car Center Bank of America ATM is listed as Open 24 Hours.
What fees should I expect when using an ATM at PHX?
Expect the ATM operator’s surcharge (if applicable) plus any fees from your own bank/card issuer. Fees can vary by card type and institution, so check the on-screen fee disclosure before confirming the withdrawal.
Does PHX offer foreign currency exchange counters?
No. PHX states that foreign currency exchange is not available, so ATM cash withdrawals in USD are usually the main airport option for cash.
What are the cash-to-card machines at PHX, and are they ATMs?
PHX also has cash-to-card machines (Terminal 3 Level 1 and Terminal 4 Level 2), but they are not ATMs. They convert cash into a card for purchases rather than dispensing cash.
What should I do if a PHX ATM charges my card but does not dispense cash?
Keep the receipt, note the exact PHX location (terminal, level, and landmark such as Door 5 / Door 24 / Gate A1), and contact your bank or card issuer immediately to start a dispute or transaction trace.
Phoenix Airport Related Services
- BOOK an AIRPORT HOTEL in Phoenix or SLEEPING PODS
- RENT a CAR in Phoenix Airport or BOOK a PRIVATE TRANSFER
- STORE your LUGGAGE in Phoenix Airport or NEARBY
- BUY a LOCAL eSIM for Phoenix, United States or a GLOBAL eSIM