Finder makes money from featured partners, but editorial opinions are our own. Advertiser disclosure

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 - 7 of 7
Name Product Fee Annual Percentage Yield (APY) Minimum deposit to open Offer
Axos Bank Rewards Checking
Finder Score: 4.2 / 5: ★★★★★
Bonus
Axos Bank Rewards Checking
$0 per month
3.30% on balances of $0 to $50,000
$0
Use promo code RC500 and apply by July 31th, 2024, to earn up to $500 bonus, $100 each month you meet requirements: receive qualifying direct deposits of $1,500.00+ and maintain an average daily balance of $3,000+.
One Cash
Finder Score: 4.8 / 5: ★★★★★
Bonus
One Cash
$0 per month
5.00% on balances of $0 to $250,000
1.00% on balances of $250,000.01+
$0
Earn 10% cash back at Walmart, up to $20, on your first purchase. Limited time offer. Get 3% cash back on future purchases up to an additional $50 every year with eligible deposits
HSBC Premier Checking
Finder Score: 3.5 / 5: ★★★★★
HSBC Premier Checking
$50 per month
0.01% on balances of $5+
$0
New customers could earn $1,500 or $2,500 if they open a new, eligible HSBC Premier checking account from July 1, 2024 through November 22, 2024, and complete qualifying activities.
Axos Bank Essential Checking
Finder Score: 5 / 5: ★★★★★
Axos Bank Essential Checking
$0 per month
N/A
$0
Relay
Finder Score: 4.8 / 5: ★★★★★
Relay
$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
$0
Dave
Finder Score: 4.6 / 5: ★★★★★
Dave
From $1 per month
4.00%
$0
Wise Multi-currency
Finder Score: 3.7 / 5: ★★★★★
Wise Multi-currency
$0 per month
4.85%
$0
loading

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.

Megan Horner's headshot
Written by

Publisher

Megan Horner is editorial director at USA TODAY Blueprint and former head of publishing at Finder, where she lead a team focused on publishing personal finance guides and reviews that help readers make informed financial decisions. She's passionate about helping you find the best financial accounts to meet your needs — whether that's earning great rewards or improving your credit score.  Megan's expertise has been featured on Lifehacker, CreditCards.com, American Banker and news broadcasts across the country. She has a longstanding background in surfacing the best deals and helping people make decisions, including a start as a writer at a comparison website and editing credit card and credit score content at Credit Karma. She earned a degree in English and editing from Brigham Young University. See full bio

More guides on Finder

Ask a Question

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 finder.com 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.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.
Go to site