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Compare bank accounts with free ATM access

If ATM fees get you down, use these tips to keep your bank account balance up.

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Nearly everyone has found themselves begrudgingly spending several dollars just to use an ATM. While four or five bucks here or there doesn’t sound like that much, over time those fees can start to add up. If ATM fees are frustrating you, there are a few things you can do to keep them down.

Top ways to get free ATM access

Get an account with a fee-free bank

Believe it or not, some banks will let you use any ATM for free and even reimburse you for fees other banks charge. Bank of America offers several fee-free checking account options. Chase, Bank of America, Citibank and Wells Fargo all also offer accounts with unlimited ATM reimbursements, but they have high account minimums — the lowest is Bank of America with a $10,000 minimum.

Use an ATM that belongs to your bank

Even if you can’t use any ATM you want for free, most banks won’t charge you to use their own machines. If you choose a bank with a large network of ATMs, it’ll be easier to stop at an in-network machine when you need cash.

  • Chase Bank. Over 16,000 ATMs across the country.
  • Wells Fargo. Over 13,000 ATMs across the country.
  • Bank of America. Over 16,000 ATMs across the country.
  • Citibank. Over 55,000 banks worldwide as part of the Allpoint network.
  • Capital One. Over 55,000 banks worldwide as part of the Allpoint network.

Use a partner ATM

Some banks join ATM networks, where they partner up with other banks to share ATM machines, greatly increasing how many fee-free machines members have access to. For example, a number of smaller banks and credit unions are part of the SUM network, which gives its members access to thousands of surcharge-free ATMs, even if their financial institution only has machines in a small area. NYCE, PULSE and STAR are other common ATM networks in the US.

Get reimbursed for ATM fees

Some banks, like USAA, BankFive and Ally, offer checking accounts that will reimburse you up to a certain amount — usually $10 or $15 — for fees you get from out-of-network ATM machines.

Compare bank accounts with free ATM access

Checking: Free everywhere

Name Product Monthly fee ATMs ATM transaction fee Out-of-network ATM fee ATM fee rebates Foreign transaction fee
M&T Bank MyChoice Premium Checking
$24.95 per month
Over 1,500 free M&T Bank ATMs and up to $2 rebates when using all other ATMs
$0
$0
Up to $2 toward other bank ATM fees
3%
Get up to $250 if you open a MyChoice Premium M&T checking account by March 2, 2020, and make qualifying direct deposits totaling at least $500 within 90 days of account opening.
Chase Sapphire Checking
$25 per month
Free to use anywhere worldwide
$0
$0
Chase will refund all ATM fees worldwide
0%
Get a $1000 welcome bonus when you join Sapphire Banking by March 06, 2020. Within 45 days of joining, transfer a total of $75,000 or more in qualifying new money or securities to a combination of eligible checking, savings and/or investment accounts (excludes any J.P. Morgan retirement accounts and CDs), and maintain the balance for at least 90 days.
Axos Bank Rewards Checking
$0
ATM fees reimbursed at any ATM nationwide
$0
$0
Axos Bank will reimburse all domestic ATM fees you incur within one business day
1%
Earn up to 1.25% APY while enjoying a suite of digital tools for smarter money management.
Radius Bank Rewards Checking
$0
More than 20,000 ATMs + unlimited ATM surcharge rebates
$0
$0
Unlimited automatic ATM surcharge rebates for ATM fees other banks charge you
Earn cash back with this high-interest checking account, plus get free ATM access worldwide.
TransferWise Borderless
$0
Free at any ATM in the world
$0
$0
You can withdraw $250 every 30 days with no fees
0%
Send and receive 40+ currencies right from your phone, but with a better exchange rate and low fees.
Axos Bank Essential Checking
$0
ATM fees reimbursed at any ATM nationwide
$0
Unlimited domestic ATM fee reimbursements
No fees. Unlimited domestic ATM fee reimbursements.
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Checking: Free within network

Name Product Monthly fee ATMs ATM transaction fee Out-of-network ATM fee ATM fee rebates Foreign transaction fee
BBVA Online Checking
$0
No ATM fees nationwide at more than 64,000 AllPoint, participating 7-Eleven and BBVA USA ATMs
$0
$3
3%
A full-service account with convenient, surcharge-free access to two massive ATM networks
Axos Bank Rewards Checking
$0
ATM fees reimbursed at any ATM nationwide
$0
$0
Axos Bank will reimburse all domestic ATM fees you incur within one business day
1%
Earn up to 1.25% APY while enjoying a suite of digital tools for smarter money management.
Axos Bank Essential Checking
$0
ATM fees reimbursed at any ATM nationwide
$0
Unlimited domestic ATM fee reimbursements
No fees. Unlimited domestic ATM fee reimbursements.
Chase Sapphire Checking
$25 per month
Free to use anywhere worldwide
$0
$0
Chase will refund all ATM fees worldwide
0%
Get a $1000 welcome bonus when you join Sapphire Banking by March 06, 2020. Within 45 days of joining, transfer a total of $75,000 or more in qualifying new money or securities to a combination of eligible checking, savings and/or investment accounts (excludes any J.P. Morgan retirement accounts and CDs), and maintain the balance for at least 90 days.
HSBC Advance Checking
$25 per month
Surcharge-free HSBC ATMs nationally and internationally, plus up to four rebates a month for using non-HSBC ATMs in all US states except New York
$0
Up to four a month for using non-HSBC ATMs in all US states except New York
3%
Get up to $270 (max. $50 per month) for eligible new customers who open an HSBC Advance checking account. Conditions apply. Deposit products are offered in the US by HSBC Bank USA, N.A. Member FDIC.
HSBC Premier Checking
$50 per month
Free to use at all ATMs in the US
$0
$0
0%
Get up to $700 (max. $120 per month) for eligible new customers who open an HSBC Premier checking account. Conditions apply. Deposit products are offered in the US by HSBC Bank USA, N.A. Member FDIC.
TD Beyond Checking
$25 per month
1,900 ATMs across the country and Canada
$0
$0
Unlimited fee rebates when you maintain a daily balance of at least $2,500
0%
A checking account that offers interest plus three ways to waive the monthly fee, two overdraft paybacks a year and no ATM fees with a $2,500 balance.
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Savings: Free within network

Name Product ATMs ATM transaction fee Out-of-network ATM fee ATM fee rebates APY
BBVA Money Market
ATMs in Alabama, Arizona, California, Colorado, Florida, New Mexico and Texas
$0
$3
0.80% on balances of $10,000+
0.05% on balances of $0 to $9,999
Earn one of the highest annual percentage yields (APYs) if you live in one of 42 eligible states, and access your money by ATM, check or bill pay.
Radius Bank High-Yield Savings
More than 20,000 ATMs
$0
$0
1.15% on balances of $25,000+
0.75% on balances of $2,500 to $24,999.99
0.05% on balances of $10 to $2,499.99
A free high-interest savings account with a $100 minimum deposit to open
Betterment Everyday Cash Reserve
Every ATM worldwide
$0
$0
Get ATM fees reimbursed worldwide with Checking
0.78%
This savings account has no account and overdraft fees, plus it requires no minimum balance.
Chime Savings account
38,000 fee-free ATMs nationwide
$0
$2.50
0.01%
Get paid up to 2 days early with direct deposit. Say goodbye to hidden bank fees. Grow your savings, automatically.
Huntington Relationship Money Market
Over 1,800 ATMs across the states it services
$0
$3
0.55% on balances of $25,000 to $2,000,000.99 with private client account
This money market account includes an ATM card and a 24-hour overdraft grace period.
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Other ways you can avoid ATM fees

ATM locator tools

Financial institutions have tools on their sites and mobile banking apps to use to find the closest ATM or branch for free withdrawals.

Get cash over the counter

Most major grocery stores, drugstores and gas stations will let you get cash back if you make a purchase. Some stores offer this for free, while others have a surcharge — usually lower than ATM fees.

Bottom line

It costs ATM operators a fraction of the fee they charge consumers to use an ATM — and those fees get higher every year. Every dollar counts, so save your money by getting a fee-free checking account or using in-network ATMs.

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