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ATM fees: How much and 7 ways to avoid

Compare out-of-network ATM fees and find out how you can avoid them.

Our option for no ATM fees: Axos Bank Essential Checking

Axos Bank Essential Checking logo

0%

Minimum to open

  • Direct Deposit Express
  • No monthly maintenance fees
  • Unlimited domestic ATM fee reimbursements
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Compare bank accounts by ATM fee

Use this table to compare bank accounts by their out-of-network ATM fee, transaction fee and by how many ATMs are in their network.

Name Product Fee ATMs ATM transaction fee Out-of-network ATM fee ATM fee rebates Foreign transaction fee
Chime Spending account
$0 per month
60,000+ fee-free ATMs
$0
$2.50
0%
Get rid of fees with this financial app offering consumer-friendly accounts. Chime can also help you save easily and access your paycheck faster.
Lili
From $0 per month
32,000 fee-free ATMs nationwide
$0
$2.50
0%
Freelancers get paid up to two days early and can automatically set aside money for taxes with the Lili digital bank account
Chase Total Checking®
$12 per month
Access to 16,000 ATMs and more than 4,700 branches nationwide
$0
$2.50 in the US, Puerto Rico and US Virgin Islands; outside the US, it's $5 per withdrawal and $2.50 per transfer or inquiry
3%
Chase Total Checking is easy to use and gives you access to 16,000 ATMs and more than 4,700 branches. It offers a $225 signup bonus to new Chase customers
BBVA Free Checking
$0 per month
1,000 fee-free ATMs across the country
$0
$3
For $5 a month, you can get up to four ATM fee rebates
3%
Pay a $0 monthly Service Charge and get free access to BBVA ATMs.
USAA Classic Checking
$0 per month
Free at 60,000 ATMs nationwide (USAA, Allpoint, MoneyPass, PNC)
$0
$2
Up to $15 in other US banks' ATM usage fees; not applicable for the month in which the account is closed
1%
An online checking account means no driving around town, no waiting in line and no bankers' hours.
Zero Checking
$0 per month
Zerocard is usable anywhere Mastercard is accepted.
$0
$0
At the Carbon level, all ATM fees, including what the ATM owner may charge, are refunded.
0%
A mobile banking experience consisting of an app, a credit card called Zerocard, and a checking account called Zero Checking.
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How do ATM fees work?

If you’re using an ATM that belongs to your bank, you generally won’t have to pay anything. But if you use an out-of-network ATM, you could have to pay both the ATM owner’s fee and your bank’s fee, which range from around $1.50 to $3.00 on average, but could be much higher in casinos and bars.

If you’re using an overseas ATM, you might pay an out-of-network ATM fee by your bank, a currency exchange fee by your bank and an ATM fee by the machine’s operator. But there are steps you can take to cut down on ATM costs when traveling.

Types of ATM fees and their costs

Here are a few common charges that you’ll likely see when using an ATM domestically and abroad:

ATM feeAboutAverage cost
Out-of-network domestic feeYour bank may charge a non-network fee when you use an ATM owned by another financial institution.$1.56
ATM operator’s feeThe ATM owner may charge this fee if your bank isn’t a part of its network.$3.08
Currency conversion feeYour bank may charge this fee for converting money to another currency, such as when withdrawing money as an international ATM.1%
Foreign transaction feeA general fee for any overseas transaction. Some banks bundle their currency conversion fee into a single foreign transaction charge.2% to 3%

7 ways to avoid ATM fees

Check out these tips on how to bypass or minimize your ATM fees:

  1. Withdraw less frequently. Instead of making smaller withdrawals several times a week, consider visiting the ATM less often and taking out a larger amount at once. You’d still get hit with non-network ATM fees, but it could help minimize the amount of flat out-of-network charges.
  2. Stay in your bank’s network. Whenever possible, try to use an ATM owned by your bank or owned by a company with which your bank has a partnership. For example, Citi customers can withdraw money for free from any MoneyPass location.
  3. Use ATM locators. Most banks have tools on their websites and mobile apps to help you find your nearest ATM. Put these tools to use if you ever need to find your nearest free place to withdraw cash.
  4. Get cash back at checkout. If you use your debit card in a store, you may be able to get cash back at the checkout without paying any fees.
  5. ATM reimbursements. Some checking accounts reimburse you for ATM fees or let you withdraw a certain number of times without paying any fees.
  6. Pay with card instead of cash. These days, most modern merchants have the capability to accept credit or debit card payments. The amount of times you actually have to use cash to pay for your purchases is actually quite small, so consider paying with your card instead of cash wherever possible.
  7. Don’t use ATMs to check your balance As well as a fee for withdrawing cash, many banks will charge a fee of up to $2 if you use one of their ATMs to check your account balance. You can do a balance inquiry for free online, so don’t use an ATM to check your balance unless you’re fully aware of any fees that may apply.

How foreign transaction fees work

Bank accounts with ATM fee reimbursements

Explore these bank accounts that cover any ATM fees you may incur.

Bank accountATM reimbursementMonthly feeMinimum opening deposit
Axos Bank Essential CheckingUnlimited domestic ATM fee reimbursements$0$0
Axos Bank Rewards CheckingUnlimited domestic ATM fee reimbursements$0$50
Radius Bank Rewards CheckingUnlimited ATM fee reimbursements$0$100
Charles Schwab High Yield Investor CheckingUnlimited ATM fee reimbursements worldwide$0$0
Alliant Credit Union High-Rate CheckingUp to $20 ATM fee reimbursements per month$0$0

Bottom line

ATM fees can start to add up quickly — especially if you’re traveling overseas. Keep track of your ATM spending, take steps to reduce what you pay in fees and compare checking accounts to find one with ATM fees you can live with.

Frequently asked questions

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