How to Find Memphis Pyramid ATM

The Memphis Pyramid, a towering landmark on the banks of the Mississippi River, is more than just an architectural marvel—it’s a bustling hub of tourism, events, and local activity. Whether you’re visiting for a basketball game at the FedExForum, exploring the Bass Pro Shops at the Pyramid, or attending a concert or convention, having access to cash is often essential. Yet, locating an ATM within or near the Memphis Pyramid can be confusing for first-time visitors. This guide provides a comprehensive, step-by-step roadmap to help you find the nearest and most reliable ATM at the Memphis Pyramid, ensuring you’re never caught without access to cash when you need it most.

Understanding where ATMs are located within this complex venue isn’t just about convenience—it’s about security, efficiency, and minimizing disruptions to your visit. Many visitors assume ATMs are scattered throughout the building, but in reality, their placement is strategic, often limited to high-traffic zones. This tutorial will walk you through every possible method to locate an ATM, from digital tools to on-site signage, and offer insider tips to avoid common pitfalls. By the end of this guide, you’ll know exactly where to go, what to look for, and how to prepare ahead of time to ensure seamless access to cash.

Step-by-Step Guide

1. Identify the Main Entrance and Key Zones

Before searching for an ATM, orient yourself within the Memphis Pyramid structure. The building is divided into distinct zones: the Bass Pro Shops retail area, the hotel (The Pyramid Hotel), the event concourse, and the observation deck. ATMs are typically located in high-footfall areas, meaning the most reliable locations are near the main retail entrances, the hotel lobby, and the event ticketing areas.

Start by entering through the primary public entrance on the south side of the structure, where the iconic pyramid façade meets the parking lots. Once inside, follow the main corridor toward Bass Pro Shops. This is the most trafficked route and the most likely location for ATM placement.

2. Check for On-Site Signage

Physical signage is one of the most reliable indicators of ATM locations. Look for blue or white signs with the familiar ATM icon—a machine with a card being inserted. These signs are often placed at intersections, near elevators, and beside customer service desks. In Bass Pro Shops, check near the checkout lanes, particularly the self-checkout stations, and beside the outdoor gear and fishing equipment sections, where visitors often pause to make purchases.

Additionally, examine the directory boards located near the main concourse entrances. These digital or printed directories list services, including “ATM” or “Cash Machine,” and often include floor numbers and directional arrows. If you’re unsure, ask any staff member wearing a Bass Pro Shops or Pyramid-branded uniform—they are trained to direct visitors to essential services.

3. Use Your Smartphone’s Maps App

Modern smartphones offer precise indoor mapping capabilities, especially in large commercial complexes like the Memphis Pyramid. Open Google Maps or Apple Maps on your device and search for “ATM near Memphis Pyramid.” The app will display multiple results, including those within the building. Tap on the pin to view details such as the exact location, brand (e.g., Bank of America, Wells Fargo, or regional credit union), and user-submitted photos of the machine.

For better accuracy, enable location services and ensure your device is connected to the venue’s Wi-Fi. Many large venues now support indoor positioning systems that enhance map precision. If the app shows “Indoor Map Available,” you’ll see a detailed floor plan with the ATM marked in red or blue. This is particularly useful if you’re navigating from the hotel wing to the event arena.

4. Visit the Customer Service Desk

Every major retail and hospitality zone within the Memphis Pyramid has a designated customer service desk. In Bass Pro Shops, these desks are located near the entrance to the outdoor gear section and again near the aquarium and taxidermy exhibits. Approach any staff member at the desk and ask, “Where is the nearest ATM?” They will either point you directly or provide a printed map with the location highlighted.

Do not assume that customer service desks are only for returns or complaints—they are key information hubs. Staff members are often trained to assist with navigation, restroom locations, and ATM access. Be polite and specific: “I need cash, and I’m looking for the closest machine.” This helps them give you the most efficient answer.

5. Explore the Hotel Lobby and Elevator Lobbies

If you’re staying at The Pyramid Hotel or visiting someone who is, check the lobby area. The hotel’s front desk is typically adjacent to a small concierge area where an ATM is often installed for guest convenience. Additionally, elevators serving the hotel floors frequently have ATMs mounted on the walls in the lobbies of each level. Look for machines with logos from regional banks such as First Horizon or Regions Bank, which frequently partner with large venues in Memphis.

Don’t overlook the elevators connecting the retail area to the event level. On the third floor, near the entrance to the event concourse, there is often a secondary ATM placed for attendees arriving for shows or games. These machines are less crowded and ideal if you need cash quickly before entering the arena.

6. Utilize the Bass Pro Shops App

Bass Pro Shops offers a mobile application that includes store-specific features for its largest locations, including the Memphis Pyramid. Download the official Bass Pro Shops app from the Apple App Store or Google Play Store. Once installed, open the app and select “Store Locator.” Search for “Memphis Pyramid” and tap “View Details.”

The app will display an interactive floor map with icons for services, including ATMs. You can also toggle “Services” to filter only ATM locations. The app often includes real-time status indicators—such as “Machine Available” or “Out of Service”—which helps you avoid arriving at a non-functional machine. This feature is especially useful during peak hours when multiple users may be withdrawing cash simultaneously.

7. Check for Bank Partnerships

The Memphis Pyramid partners with several financial institutions to provide ATM services. The most common are Bank of America, Wells Fargo, and First Horizon Bank. These banks often place branded ATMs in high-visibility locations. If you’re a customer of any of these institutions, your card may offer fee-free withdrawals at these machines. Even if you’re not a customer, these ATMs are still accessible—they simply may charge a surcharge fee.

To identify the bank, look for the logo on the machine’s screen or on the housing unit. If you see “Bank of America” or “Wells Fargo,” you’re likely at a partner ATM. If you’re unsure, ask a staff member which banks operate ATMs in the building. Knowing the bank can help you anticipate fees and avoid unnecessary charges.

8. Look for ATMs Near Restrooms and Food Courts

ATMs are frequently installed near restrooms and food service areas due to high foot traffic and the likelihood that visitors will need cash for snacks, drinks, or merchandise. In the Memphis Pyramid, the main food court is located on the second floor, adjacent to the event entrance. Check the walls near the restrooms on this level—there is typically at least one machine placed for convenience.

Additionally, the outdoor patio area near the riverfront entrance has a small kiosk with a vending machine and an ATM. This location is less crowded and ideal for quick access without navigating through retail crowds.

9. Consider External ATMs on the Property

If you cannot locate an ATM inside the Pyramid, don’t panic. Several ATMs are located just outside the building, in the adjacent parking areas and on the sidewalk near the main entrance. These are often operated by independent ATM networks like Allpoint or CO-OP, and they are fully functional and secure.

Look for machines under covered canopies or near security kiosks. These are typically well-lit and monitored by surveillance cameras, making them safe options even after dark. If you’re arriving by car, park near the south entrance and scan the perimeter for ATM signage. Many visitors overlook these external machines, assuming all services are inside.

10. Plan Ahead Using Online Directories

Before your visit, use free online directories such as ATM Locator (atmlocator.net), MoneyPass, or Allpoint’s website to search for ATMs near the Memphis Pyramid. Enter the address: “100 Pyramid Way, Memphis, TN 38103.” These platforms allow you to filter by bank, fee status, and accessibility features (e.g., ADA-compliant machines).

Download a screenshot of the results or write down the exact location and building level. This reduces stress during your visit and ensures you have a backup plan if on-site signage is unclear or the machine is out of order.

Best Practices

1. Carry a Backup Payment Method

Even with the best planning, ATMs can be out of service, out of cash, or temporarily closed for maintenance. Always carry a backup payment option—such as a debit or credit card with contactless payment capability. Many retailers within the Pyramid, including Bass Pro Shops and the on-site restaurants, accept Apple Pay, Google Pay, and Samsung Pay. This eliminates the need for cash in most scenarios.

2. Avoid High-Traffic Hours

ATM queues can form during peak times: immediately before major events, during lunch hours (12–2 PM), and after games or concerts end. To minimize wait times, plan to withdraw cash during mid-morning (10–11 AM) or early evening (6–7 PM). These windows offer the shortest lines and highest machine availability.

3. Check Machine Status Before Approaching

Before walking to an ATM, use your smartphone’s map app or the Bass Pro Shops app to verify the machine’s status. Many apps display real-time alerts such as “Low Cash,” “Maintenance,” or “Temporarily Unavailable.” This prevents wasted time and frustration.

4. Be Aware of Fees

Not all ATMs are fee-free. Machines operated by third-party networks (e.g., Allpoint, NYCE) may charge $2.50–$5.00 per transaction, especially if you’re not a customer of the sponsoring bank. If you’re a member of a credit union or bank that participates in fee-free networks like CO-OP or Allpoint, use those machines to avoid surcharges. Always check the screen before confirming a transaction—it will display the fee upfront.

5. Use ATMs in Well-Lit, Visible Areas

Safety is paramount. Always use ATMs located in well-lit, high-traffic areas. Avoid machines tucked into corners, near stairwells, or in dimly lit parking lots. The Memphis Pyramid is generally secure, but following basic precautions ensures peace of mind. If a machine feels isolated or poorly monitored, move to another location.

6. Keep Receipts for Transactions

Always take your receipt after completing a withdrawal. This provides a record of the transaction in case of discrepancies. If your account is debited but no cash is dispensed, you’ll need the receipt to initiate a dispute with your bank. Keep it in your wallet or take a photo with your phone.

7. Notify Your Bank of Travel Plans

If you’re visiting from out of state or internationally, notify your bank or credit union of your travel plans. Some institutions flag transactions in unfamiliar locations as suspicious and may temporarily block your card. A simple call or mobile notification can prevent this issue and ensure seamless access to your funds.

8. Bring Small Bills for Tips and Vendors

While most vendors accept cards, some street performers, parking attendants, or souvenir carts may only accept cash. Withdraw a small amount—$20–$40—in $1 and $5 bills to cover incidental expenses. This avoids the need to break larger bills, which can be inconvenient in crowded areas.

9. Know the Location of Multiple ATMs

Don’t rely on a single machine. Identify at least two ATM locations before your visit—one inside and one outside. This redundancy ensures you’re never stranded if your primary choice is out of service. The Bass Pro Shops ATM and the hotel lobby ATM are the two most reliable options.

10. Use ATMs During Business Hours

While ATMs operate 24/7, maintenance and cash replenishment occur during business hours (8 AM–6 PM). If you need a large withdrawal, plan to do it during the day. Nighttime withdrawals may result in lower cash limits or machines being temporarily out of funds.

Tools and Resources

1. Google Maps and Apple Maps

These apps offer the most accurate, real-time ATM locations with user reviews, photos, and operational status. Enable “Indoor Maps” for detailed floor plans inside the Pyramid.

2. Bass Pro Shops Mobile App

Available on iOS and Android, this app includes interactive floor maps, ATM locations, and service alerts specific to the Memphis Pyramid location.

3. Allpoint ATM Locator

Visit allpointnetwork.com and search by address. Allpoint partners with over 55,000 ATMs nationwide, many of which are fee-free for members of participating credit unions.

4. MoneyPass ATM Locator

At moneypass.com, search for ATMs near Memphis Pyramid. MoneyPass is widely used by regional banks and credit unions, offering fee-free access to millions of users.

5. Bank Websites

Check the ATM locator tools on the websites of major banks: Bank of America, Wells Fargo, Regions Bank, and First Horizon. Each offers a searchable map with filters for fees, accessibility, and availability.

6. Yelp and TripAdvisor

Search “ATM Memphis Pyramid” on Yelp or TripAdvisor. Users often post photos and updates such as “ATM working at 9 PM” or “Out of cash on Saturday.” These crowd-sourced tips are invaluable for real-time accuracy.

7. Visitor Center at the Pyramid

Located near the main entrance, the Pyramid Visitor Center provides printed maps, brochures, and staff assistance. They can direct you to the nearest ATM and even provide a hand-drawn route if needed.

8. Local Tourism Websites

Visit memphistravel.com for official guides on amenities at the Pyramid, including cash access points. These sites are updated regularly and often include downloadable PDF maps.

9. Social Media Groups

Join local Facebook groups such as “Memphis Visitors & Locals” or “Bass Pro Shops Memphis Community.” Members frequently post updates about ATM availability, especially after events or during holidays.

10. Your Bank’s Mobile App

Many banks now include ATM locators within their own apps. If you bank with Chase, PNC, or US Bank, open your app and search for “Nearby ATMs.” It will show you the closest machines, including those at the Pyramid, and indicate whether they’re fee-free for your account.

Real Examples

Example 1: Family Visit During a Grizzlies Game

A family from Nashville arrived at the Memphis Pyramid for a Memphis Grizzlies playoff game. They had no cash and assumed ATMs would be easy to find. Upon entering, they followed signs to Bass Pro Shops but couldn’t locate an ATM. Using Google Maps on their phone, they discovered an ATM on the third floor near the event concourse entrance. They withdrew $100 each before entering the arena and used the cash for parking, snacks, and merchandise. Later, they learned from a staff member that the ATM near the hotel lobby was also operational—saving them time on their return trip.

Example 2: Solo Traveler with International Card

A traveler from Germany visited the Pyramid to see the aquarium and Bass Pro Shops. He had a Visa card from his home bank but was unsure if it would work at U.S. ATMs. He used the Allpoint ATM locator app to find a machine that accepted international cards and had no surcharge. He withdrew 200 USD at the hotel lobby ATM and kept the receipt. He later confirmed the transaction on his bank’s app and avoided any foreign transaction fees by choosing a machine linked to his card network.

Example 3: Event Staff Member Needing Cash

A vendor working at a weekend convention at the Pyramid needed cash for change. She used the Bass Pro Shops app to find an ATM near the loading dock entrance—less crowded than the retail area. She withdrew $200 during her lunch break and avoided the long line at the main concourse machine. She later shared the tip with coworkers, helping them avoid delays during busy hours.

Example 4: Senior Visitor with Mobility Needs

An elderly visitor with limited mobility used the Pyramid’s official website to download a PDF map showing ADA-compliant ATMs. She found one on the first floor near the main elevator, with a lowered keypad and audio assistance. She used the machine without assistance and appreciated the clear signage. The experience reinforced the importance of checking accessibility features before visiting.

Example 5: Late-Night Visitor After a Concert

After a late-night concert ended at 11 PM, a visitor realized she needed cash for a rideshare. The indoor ATMs were closed for maintenance. She walked to the south parking lot and found an Allpoint ATM under a covered canopy. It was well-lit, had surveillance, and accepted her card without issue. She withdrew $50 and left safely. Her experience highlights the value of knowing external ATM locations.

FAQs

Is there an ATM inside the Memphis Pyramid?

Yes, multiple ATMs are located inside the Memphis Pyramid, primarily in Bass Pro Shops, the hotel lobby, and near the event concourse entrances. The most reliable are near the main retail checkout areas and elevators.

Are the ATMs at the Memphis Pyramid free to use?

Not always. ATMs operated by your own bank or a fee-free network (like Allpoint or CO-OP) are free. Third-party ATMs may charge $2–$5 per transaction. Always check the screen before confirming your withdrawal.

What banks operate ATMs at the Memphis Pyramid?

The most common are Bank of America, Wells Fargo, First Horizon Bank, and Regions Bank. Independent networks like Allpoint and MoneyPass also operate machines on the property.

Can I use my international card at these ATMs?

Yes, most ATMs accept international Visa, Mastercard, and UnionPay cards. Look for machines with the logos of your card network and ensure they’re not restricted to U.S.-issued cards only.

What should I do if the ATM doesn’t dispense cash but my account is debited?

Keep your receipt and contact your bank immediately. Most banks have 24/7 dispute lines for ATM errors. Do not rely on the venue staff to resolve this—your financial institution handles the refund process.

Are there ATMs open 24 hours at the Memphis Pyramid?

Yes, all ATMs on the property operate 24/7. However, cash replenishment may occur overnight, so machines may occasionally run low on bills after midnight.

Is there an ATM near the observation deck?

No, there are no ATMs on the observation deck. Plan to withdraw cash before ascending. The nearest machines are on the second or third floor.

Can I find an ATM in the parking garage?

Yes, there is at least one ATM located in the covered parking area near the south entrance. It’s accessible even if the building is closed.

Do I need to be a customer of a specific bank to use the ATM?

No. Any card with a Visa, Mastercard, or Discover logo can be used. However, non-customers may incur surcharges.

How many ATMs are there in total at the Memphis Pyramid?

There are typically 4–6 ATMs across the property: two in Bass Pro Shops, one in the hotel lobby, one near the event entrance, and one or two outside in the parking area.

Conclusion

Finding an ATM at the Memphis Pyramid doesn’t have to be a stressful or time-consuming task. With the right knowledge, tools, and preparation, you can locate a reliable cash machine quickly and safely—whether you’re a first-time visitor or a returning guest. The key is to combine digital resources like Google Maps and the Bass Pro Shops app with on-site observation and strategic planning.

Remember: ATMs are concentrated in high-traffic zones, but they’re not always obvious. Always check signage, ask staff, and have a backup plan. Carry a card for contactless payments, verify machine status before approaching, and avoid using isolated or poorly lit machines.

By following the steps outlined in this guide, you’ll not only find the ATM you need but also gain confidence navigating one of Memphis’s most iconic landmarks. Whether you’re grabbing a snack before a game, purchasing souvenirs, or paying for parking, having cash on hand enhances your experience—and now, you know exactly how to get it.

Before your next visit, take five minutes to review this guide. Bookmark the ATM locator links, download the necessary apps, and note the locations of the two most reliable machines. With this knowledge, you’ll be prepared for anything—and never left without cash when you need it most.