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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.

Compare bank accounts with free ATM access

Compare accounts with free ATMs and monthly fees. To narrow down your search even more, click Show Filters and select features that are important to you.
1 - 4 of 4
Name Product Fee Annual Percentage Yield (APY) Minimum deposit to open Offer
Axos Bank Rewards Checking
Finder Rating: 4.2 / 5: ★★★★★
Axos Bank Rewards Checking
$0 per month
3.30% on balances of $0 to $50,000
Use promo code SUNNYBONUS and apply by December 31st, to earn up to $300 bonus, $50 each month you meet requirements: Make direct deposits of $5,000+ each month for the first 7 months and maintain an average balance of $7,000.
Earn up to 3.3% APY after meeting deposit and spending requirements. Get ATM free reimbursements at all domestic ATMs. Pay $0 monthly or overdraft fees. FDIC insured.
Axos Bank Essential Checking
Finder Rating: 5 / 5: ★★★★★
Axos Bank Essential Checking
$0 per month
Pay $0 monthly and overdraft fees, and get reimbursed for domestic ATM fees. No opening deposit or minimum balance requirement. Get your paycheck up to 2 days early with direct deposit. FDIC insured.
Finder Rating: 4.3 / 5: ★★★★★
$0 per month
Up to 3.00% on balances of $1,000,000+
2.00% on balances of $250,000 to $999,999
1.50% on balances of $50,000 to $249,999
Easily track income, expenses and savings for your business all in one place. With $0 account fees, $0 overdraft fees and $0 minimum balances, Relay’s business checking account and money management platform offer an affordable online banking solution to get your business off the ground. FDIC insured.
Wise Multi-currency
Finder Rating: 4.5 / 5: ★★★★★
Wise Multi-currency
$0 per month
Wise uses the mid-market rate and transparent fees to help you send money in 45+ currencies. If you sign up for the interest feature, you could earn up to 4.33% APY.

4 ways to get free ATM access

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.

1. 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.

2. 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.

3. 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.

4. 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.

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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