ATM fees may seem small, but they add up quickly. A few out-of-network withdrawals each month can quietly cost you $50 or more per year. The good news is that most ATM fees are avoidable once you understand how they work and how banks apply them.
This guide explains the most effective ways to avoid ATM fees, when fees are unavoidable, and how some banks reimburse ATM charges automatically.
Why ATM Fees Happen
ATM fees typically come from two sources. In many cases, both apply to a single transaction.
- ATM operator surcharge: Charged by the owner of the ATM you’re using.
- Out-of-network bank fee: Charged by your bank when you use another institution’s ATM.
When these fees are combined, a single withdrawal can cost $5 to $8 or more.
The Most Reliable Ways to Avoid ATM Fees
These strategies consistently help users avoid ATM fees altogether:
- Use no-fee ATMs: Bank-owned machines and surcharge-free networks often eliminate fees entirely.
- Stay within your bank’s network: Partner networks allow fee-free withdrawals even outside your bank.
- Withdraw larger amounts less often: Fewer transactions reduce fee exposure.
- Use cash back at checkout: Many retailers offer fee-free cash back with debit purchases.
- Understand your withdrawal limits: Limits can force extra transactions and additional fees.
If you’re unsure where to find fee-free machines, start with our guide to finding no-fee ATMs near you.
ATM Networks That Help You Avoid Fees
Many banks partner with large surcharge-free ATM networks to provide nationwide access without fees.
- Allpoint
- MoneyPass
- CO-OP Network (credit unions)
Using these networks allows customers to withdraw cash without paying ATM operator surcharges.
For a detailed comparison of coverage and availability, see the best no-fee ATM networks.
Using Another Bank’s ATM Without Paying Fees
Sometimes you need cash and your bank’s ATM isn’t nearby. In those cases, using another bank’s ATM may still be fee-free if:
- Your bank reimburses ATM fees.
- The ATM is part of a partner network.
- You are using a special account type with fee waivers.
Our guide to using an ATM at a different bank explains when fees apply and how to reduce them.
How ATM Fee Reimbursements Work
Some banks automatically refund ATM fees charged during the month. Reimbursements are typically deposited back into your account at the end of the statement period.
Fee reimbursement policies vary by bank and account type. Common restrictions include:
- Monthly reimbursement limits.
- Minimum balance requirements.
- Account type eligibility.
Understanding these rules can help you avoid fees even when using out-of-network ATMs.
How Withdrawal Limits Can Increase ATM Fees
Daily withdrawal limits can indirectly cause ATM fees. If you hit a per-transaction or daily cap, you may need multiple withdrawals — increasing the chance of fees.
Learn how limits work by reviewing ATM withdrawal limits and our cash withdrawal limits guide.
International ATM Fees and Exchange Rates
ATM fees are often higher when traveling internationally. In addition to ATM surcharges, banks may apply foreign transaction fees and unfavorable exchange rates.
Before withdrawing cash abroad, review how ATM exchange rates work to avoid unnecessary costs.
When ATM Fees Are Hard to Avoid
There are situations where ATM fees may be unavoidable, such as:
- Rural or remote locations with limited ATM options.
- Emergency cash needs outside your bank’s network.
- International travel with limited partner ATMs.
In these cases, minimizing withdrawals and planning ahead can reduce total costs.
Bottom Line
ATM fees are avoidable for most people with a little planning. By using no-fee ATMs, understanding bank networks, monitoring withdrawal limits, and taking advantage of reimbursement policies, you can significantly reduce or eliminate ATM charges.
To continue building your fee-free strategy, explore no-fee ATMs near you and the best no-fee ATM networks.