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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: Aspiration Account

  • Up to 2.00% APY interest
  • Free ATM access worldwide
  • Unlimited cash back rewards
  • 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, unlimited cash back rewards 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
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, unlimited cash back rewards 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.
$0
Free at 80,000 AllPoint and MoneyPass ATMs nationwide
$0
End the rate shopping chore with a Yield Pledge account, which delivers a yield in the top 5% of competitive accounts.
$0
15
1%
An online checking account means no driving around town, no waiting in line and no bankers' hours.
$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.
$0
More than 2,400 ATMs in over 700 Citibank branches
$0
$0
Unlimited refunds of non-Citi ATM fees
3%
Banking and wealth management from a Big Four bank.
Square
Square
$0
Anywhere Mastercard is accepted
$0
Use your business debit card anywhere Mastercard® is accepted, with no monthly fees, sign-up fees, or annual fees.
$0
More than 55,000 no-fee ATMs worldwide with the Allpoint ATM network
$0
$0
No overdraft fees. No maintenance fees. No fees at Allpoint ATMs. No minimum balance.
$0
250 USAA ATMs nationwide
$2
First 10 transactions each month
1%
Enjoy a checking account without the monthly service fees.
Axos Bank Rewards Checking
Axos Bank Rewards Checking
$0
Any ATM nationwide
$0
Axos Bank will reimburse all domestic ATM fees you incur within one business day
Earn up to 1.25% APY while enjoying a suite of digital tools for smarter money management.
$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
$10 per month
Over 750 ATMs
$0
$2.50
3%
A simple checking account with two ways to avoid the monthly fee.
$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 June 2, 2019
$25 per month
750 Bank of the West ATMs
$0
$0
Bank of the West refunds fees charged by other banks within one business day.
3%
An interest-bearing checking account with added benefits.
$25 per month
More than 2,400 ATMs in over 700 Citibank branches
$0
$2.50 or $0 when you meet monthly minimum balance requirements
3%
Full-feature relationship checking from one of the top brands in the nation
$25 per month
16,000 fee-free ATMs nationwide
$2.50
$5 for non-US ATMs, plus any fee charged by the ATM's operator
Customize your account to fit your needs and experience a wide array of services from a Big Four bank.
$30 per month
More than 2,400 ATMs in over 700 Citibank branches
$0
$0
Priority banking with dedicated support from one of the nation's most popular banks.

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
39,000+ Capital One and Allpoint ATMs nationwide
$0
$0
A fee-free online checking account you can use anytime, anywhere.
Square
Square
$0
Anywhere Mastercard is accepted
$0
Use your business debit card anywhere Mastercard® is accepted, with no monthly fees, sign-up fees, or annual fees.
Axos Bank Rewards Checking
Axos Bank Rewards Checking
$0
Any ATM nationwide
$0
Axos Bank will reimburse all domestic ATM fees you incur within one business day
Earn up to 1.25% APY while enjoying a suite of digital tools for smarter money management.
$0
40,000 AllPoint ATMs in Simple’s network
$0
$0
Banking and budgeting in one simple app.
$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.

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.
$0
No
2.35%
An online savings account designed to work harder to help you achieve your financial goals.
Access your funds for free at more than 9,000 ATMs in PNC’s nationwide network.
$0
$3
2.35%
A high interest savings, a short-term savings and a checking account, paired with our digital money management tools – all working together to help you better manage your financial life.
$0
$2
$15 per statement cycle
2.30%
With industry-leading checking and savings rates and fully insured balances, Salem Five Direct delivers competitive opportunities to save, protect and manage your money.
80,000+ in-network ATMs
$0
2.10%
More cash in your wallet, faster, with a High-Rate Savings Account
Wells Fargo offers more than 13,000 ATMs and approximately 5,700 retail banking branches coast to coast.
$0
$2.50
2.10% on balances of $25,000+
0.05% on balances of $0 to $24,999.99
A good choice for customers who want premium interest rates on their savings accounts.

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
15
1%
An online checking account means no driving around town, no waiting in line and no bankers' hours.
$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
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.
$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
250 USAA ATMs nationwide
$2
First 10 transactions each month
1%
Enjoy a checking account without the monthly service fees.

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.

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