Compare bank accounts with free ATM access | finder.com
A woman using a free ATM to withdraw cash.

Compare bank accounts with free ATM access

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

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: Aspiration Account

  • Up to 2.00% APY interest
  • Free ATM access worldwide
  • 10% of the company's earnings support charities

Our top pick: Aspiration Account

A high-interest account that operates like a checking account with no monthly service fees, free access to every ATM in the world and deposits insured by the FDIC.

  • No monthly fee unless you choose to pay
  • No overdraft or foreign transaction fees
  • Low $10 minimum deposit to open an account
  • Easy access via the Aspiration mobile app or website
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
15
1%
An online checking account means no driving around town, no waiting in line and no bankers' hours.
$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 deposits insured by the FDIC.
$0
3,013 branches and 5,323 bilingual ATMs
$0
$2.50 each after the first four every month
Non-U.S. Bank ATM owner fees may apply unless owner participates in the MoneyPass network
A checking account can be a safe, convenient place to stash the cash you need for bills and other expenses.
TIAA Bank Small Business Checking
TIAA Bank Small Business Checking
$0
Over 80,000 fee-free ATMs
15
Account will boost your money’s productivity with a high yield, no monthly maintenance fee and the essential banking services your business needs.
$4.95 per month
16,000 fee-free ATMs nationwide
$2.50
Customize your account to fit your needs and experience our full scope of services
HSBC Choice Checking
HSBC Choice Checking
$15 per month
Access to HSBC ATMs worldwide, most with no withdrawal fees
$0
$2.50
3%
Get a $200 Welcome Deposit for eligible new customers who open a new HSBC Choice Checking account with qualifying activities by March 29, 2019

Compare up to 4 providers

Name Product Monthly fee ATMs ATM transaction fee Out-of-network ATM fee ATM fee rebates Foreign transaction fee
Wells Fargo Teen Checking account
Wells Fargo Teen Checking account
$0
$0
$2.50
Everyday Checking, banking made easy. Open with $25.
$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.
$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 deposits insured by the FDIC.
$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
3,013 branches and 5,323 bilingual ATMs
$0
$2.50 each after the first four every month
Non-U.S. Bank ATM owner fees may apply unless owner participates in the MoneyPass network
A checking account can be a safe, convenient place to stash the cash you need for bills and other expenses.
$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.

Compare up to 4 providers

Name Product ATMs ATM transaction fee Out-of-network ATM fee ATM fee rebates APY
ATMs in Alabama, Arizona, California, Colorado, Florida, New Mexico and Texas
$0
$3
2.40% on balances of $0+ in 42 eligible states; otherwise:
1.90% 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.
PNC High Yield Savings account
PNC High Yield Savings account
$0
No
2.35%
An online savings account designed to work harder to help you achieve your financial goals.
PNC Virtual Wallet
PNC Virtual Wallet
Access your funds for free at more than 9,000 ATMs in PNC’s nationwide network.
$0
$3
2.35%
Salem Five Direct eOne Savings
Salem Five Direct eOne Savings
$0
$2
$15 per statement cycle
2.30%
EONE SAVINGS 2.30% APY* On every dollar for balances up to $1,000,000
80,000+ in-network ATMs
$0
2.10%
More cash in your wallet, faster, with a High-Rate Savings Account
There are 60,000 no-fee ATMs through the Allpoint and MoneyPass networks.
$0
2.00% on balances of $100,000+
1.95% on balances of $2,500 to $99,999
Earn high yields with flexible access to your cash.

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
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.
$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
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
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.
$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.

Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site