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A woman using a free ATM to withdraw cash.

Compare bank accounts with free ATM access

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

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.

Our top pick: USAA Classic Checking

  • No minimum balance
  • No monthly service fee
  • 60,000 free ATMs nationwide

Our top pick: USAA Classic Checking

An online checking account means no driving around town, no waiting in line and no bankers' hours.

  • No minimum balance
  • No monthly service fee
  • 60,000 free ATMs nationwide
Promoted

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

Name Product Monthly fee ATMs ATM transaction fee Out-of-network ATM fee ATM fee rebates Foreign transaction fee
$0
Free to use anywhere worldwide
$0
$0
0%
A high-interest account that operates like a checking account with no monthly service fees, free access to every ATM in the world and FDIC insurance.

Compare up to 4 providers

Name Product Monthly fee ATMs ATM transaction fee Out-of-network ATM fee ATM fee rebates Foreign transaction fee
$0
Free to use anywhere worldwide
$0
$0
0%
A high-interest account that operates like a checking account with no monthly service fees, free access to every ATM in the world and FDIC insurance.
$0
65,000 preferred ATMs nationwide (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.
$0
Over 60,000 no-fee ATMs across the U.S.
$0
Earn 1% cash back on up to $3,000 in debit card purchases each month.
$0
You’ll get fee-free access to over 56,000 ATMs around the world
$0
$3
3%
A full-service account with convenient, surcharge-free access to two massive ATM networks.
$0
38,000 fee-free ATMs nationwide
$0
$2.50
0%
No overdraft fees. No monthly maintenance fees. No monthly service fees. No minimum balance fees. No deposit required. No foreign transaction fees. Over 38,000+ fee-free MoneyPass ATMs.
$0
Use any of the 32,000+ MoneyPass ATMs in the US for free
$0
$0
Up to $12 monthly for ATM fees other banks charge you
0%
Forget the hidden fees and fine print — this checking account has neither.

Compare up to 4 providers

Name Product ATMs ATM transaction fee Out-of-network ATM fee ATM fee rebates APY
80,000+ in-network ATMs
$0
2.00%
More cash in your wallet, faster, with a High-Rate Savings Account
55,000+ ATMs worldwide
$0
$3
1.90%
The modern way to reach your savings goals and to live a better life – purely. Zero fees. Zero fuss.
There are 60,000 no-fee ATMs through the Allpoint® and MoneyPass® networks.
$0
1.90% on balances of $100,000+
1.85% on balances of $2,500 to $99,999
Earn high yields with flexible access to your cash.
ATMs in Alabama, Arizona, California, Colorado, Florida, New Mexico and Texas
$0
$3
1.80%
Earn one of the highest interest rates if you have at least $10,000 in savings, and access your money by ATM, check or bill pay.
Umpqua Thrive Money Market account
Umpqua Thrive Money Market account
$0
$2.50
0.07% on balances of $100,000+
0.05% on balances of $10,000 to $99,999.99
0.03% on balances of $0.01 to $9,999.99
An account that grows with you.
ATMs in Alabama, Arizona, California, Colorado, Florida, New Mexico and Texas
$0
$3
0.05%
A basic savings account with mobile banking and same-day access to direct deposits.

Compare up to 4 providers

Name Product Monthly fee ATMs ATM transaction fee Out-of-network ATM fee ATM fee rebates Foreign transaction fee
$0
65,000 preferred ATMs nationwide (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.
$0
Use any of the 32,000+ MoneyPass ATMs in the US for free
$0
$0
Up to $12 monthly for ATM fees other banks charge you
0%
Forget the hidden fees and fine print — this checking account has neither.
$0
Surcharge-free Umpqua ATMs in all of the network's 5 states, plus up to $10 per month in ATM fee rebates
$0
$2.50
Up to $10 in fee rebates if you maintain a monthly account balance of at least $2,500
2%
Simple and straightforward, a checking account for anyone looking for no-frills banking.
$5 per month
Surcharge-free Umpqua ATMs in all of the network's 5 states, plus 4 non-Umpqua ATM fee rebates per month
$0
$2.50
Up to 4 rebates per month
2%
A checking account that's tied to your savings and comes with lots of fee rebates.
$0
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 Compass ATMs.
$20 per month
Surcharge-free Umpqua ATMs in all of the network's 5 states, plus up to $25 per month in ATM-owner fee rebates
$0
$2.50
Receive up to $25 per month in ATM-Owner fee rebates. Rebates will be credited on the same day.
2%
Easy banking for complicated lives.

Compare up to 4 providers

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.

Shirley Liu

Shirley Liu is a program manager at finder, formerly the publisher for Banking and Investments. She is passionate about helping people make an informed decision, save money and find the best deal for their needs.

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