Ready to ditch those annoying ATM fees? If you use an ATM at least once per month, you might be paying around $36 annually just to access your own money. Plenty of banks don’t charge you anything to use an ATM that’s not in their network, and even more banks have large ATM networks nationwide for easy and fee-free cash access.
Earn a $250 bonus
Up to 3.30% APY
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We’ve rounded up banks with large, fee-free ATM networks and prioritized locating banks with no out-of-network ATM fees. However, in many cases, using an out-of-network ATM may still incur a non-reimbursable operator fee.
| Account | Fee-free ATM network size | Out-of-network ATM fee | Learn more |
|---|---|---|---|
| Capital One 360 Checking | 70,000+ Capital One, MoneyPass and Allpoint | $0, operator fees may apply. | |
| SoFi® | 55,000+ Allpoint ATMs | $0 from SoFi, operator fees may apply. | |
| HSBC Premier Checking | 55,000+ Allpoint ATMs | $0, and up to five Third Party ATM rebates per month within the US. | |
| CIT Bank Money Market | 62,300+ ATMs | $0 from CIT Bank, and up to $30 in out-of-network ATM fees for eChecking. | |
| Consumers Credit Union | 30,000+ CO-OP ATMs | $0 and reimbursements nationwide (if monthly requirements are met) | |
| Axos Bank ONE Savings and Checking | 95,000+ ATMs | $0 from Axos, and unlimited domestic ATM fee reimbursements for Rewards Checking, Cashback Checking and Essential Checking accounts. | |
| Charles Schwab Bank Investor Checking | 55,000+ Allpoint ATMs | $0 Charles Schwab, and unlimited ATM reimbursements (not applied for operator fees). | |
| Ally Bank | 75,000+ Allpoint and MoneyPass ATMs | $0 from Ally, and $10 in monthly ATM reimbursements for out-of-network fees that may apply. | Read Review |
| Happen Bank (previously LendingClub) | 37,000+ MoneyPass and SUM ATMs | $0 from LendingClub, operator fees may apply. |
If you use an ATM outside your bank or credit union’s network, you may have to pay an ATM operator fee. These are charges coming from the bank or company that owns and maintains the ATM. These charges don’t come from your bank itself, and they are different from “out-of-network” ATM fees, which are charged by your bank when you use an ATM outside of their network.
If you use an ATM outside of your bank’s network, you may be charged both an operator fee and an out-of-network ATM fee. Operator fees may be around $2 to $4 per transaction, and bank out-of-network ATM fees are usually around $3 for cash withdrawals.
In short, banks want you to use their own services — branches, banking tools and ATMs. Banks and credit unions have to pay to maintain that infrastructure. If you use another bank’s infrastructure, they charge out-of-network ATM fees to dissuade you from using another institution’s services.
If you were to use an ATM that charged you a fee, banks that offer ATM reimbursements typically send those funds at the end or beginning of a statement cycle. For example, Ally Bank sends ATM reimbursements into your account at the end of each statement period in a lump sum.
In most cases, ATM reimbursements are capped month to month, such as offering to pay back up to $10 in out-of-network ATM fees. However, there are a few with unlimited reimbursements, such as Axos Bank and Charles Schwab. And while ATM reimbursements are great, just keep in mind that they typically exclude operator fees — those are hard to avoid.
Narrow down top checking accounts by APYs, monthly fees and features. To compare accounts side by side, tick the Compare box on multiple accounts for a closer comparison.
The Finder Score crunches over 300 checking accounts from hundreds of financial institutions. It takes into account the product's monthly fees, overdraft fees, opening deposit, customer support options, ATM network and features — this gives you a simple score out of 10.
To provide a Score, Finder’s banking experts analyze hundreds of checking accounts against what we consider is the best option: no monthly fees, no overdraft fees, a large ATM network of 50,000 or more, additional features outside of typical banking services, and the optional perk of earning interest. Accounts that are nearly free to maintain and use are scored the highest, while accounts with costly fees and few features are scored the lowest.
If you’re paying to use ATMs outside of your bank’s network, or your bank just doesn’t have ATMs near you, it might be time to switch banks.
Compare the best checking accounts, or compare the best free checking options to keep more cash in your pocket.
BMO is a large bank with a variety of bonuses available, up to $1,500.
Offering up to $500 in checking bonuses, KeyBank’s bonuses are enticing. However, the bank doesn’t operate in all states.
Citizens Bank has some personal account bonus offers up for grabs; up to $3,000 if you can meet requirements.
U.S. Bank usually has some bank account bonuses on the table; compare the most recent offers up for grabs.
See how to earn up to $1,500 when you open a new Capital One savings, or up to $250 with a 360 Checking account.
SoFi, Capital One, Chase and Revolut have some of the best student bank accounts for savings, checking and building credit.
One of PNC’s best bonus offers is its $400 direct deposit bonus. But if you don’t meet the criteria, there are other ways to earn cash.
SoFi offers several bonus offers, including a direct deposit bonus, welcome offers and referral bonuses.
Tracking the Fed funds rate from 1954 to now.
Instant sign-up bonuses with no deposit are not typically offered. However, these bank account bonuses have easy requirements.
