ATM fees can sneak up on you—sometimes costing $3 to $7 per transaction. But the good news is, avoiding those charges is easier than ever. With a bit of planning and the right tools, you can find no-fee ATMs near you and stop wasting money on unnecessary banking costs.
What Types of ATMs Don’t Charge Fees?
Not all ATMs charge a fee. Many are completely free to use, depending on your bank, account type, or ATM network. Here’s where you’ll typically find no-fee access:
- ATMs owned by your bank – These are usually free for customers.
- Partner network ATMs – Banks often partner with large surcharge-free ATM networks such as:
- Allpoint
- MoneyPass
- CO-OP Network
Banks like Ally Bank, Chime, and Capital One often offer broad access to no-fee networks.
How to Find No-Fee ATMs Near You
Here are easy ways to locate no-fee ATMs quickly:
- Banking Apps: Most mobile banking apps feature an ATM locator to show surcharge-free machines.
- ATM Network Websites: Visit Allpoint, MoneyPass, or CO-OP’s website to search by ZIP code or address.
- Google Search or Maps: Try searching terms like “no fee ATMs near me” or “fee-free cash withdrawal nearby”.
- Third-Party Apps: Apps like ATM Hunter or ATM Fee Saver help users find no-surcharge ATMs based on location.
You can also check our guide to finding an ATM near you with cash if availability is a concern.
Smart Ways to Avoid ATM Fees
ATM fees often happen because of out-of-network withdrawals or third-party machine surcharges. Here’s how to steer clear of them:
- Use your bank’s network: Stick to in-network ATMs when possible.
- Get cash back at checkout: Many stores (like Walmart or Target) let you get cash without ATM fees when using a debit card.
- Withdraw larger amounts less often: Minimize the number of transactions to reduce repeated fees.
- Check for fee reimbursements: Some premium accounts (e.g., Ally, Chime, or credit union accounts) reimburse ATM fees monthly.
- Use fee-free options for public benefits: If you’re using EBT, see our full EBT cash withdrawal guide for tips on accessing funds without charges.
How Much Do ATM Fees Cost?
Typical ATM fees vary depending on the ATM owner and your bank. Here’s what you might face:
- Surcharge Fee: Charged by the ATM operator. Usually $2–$5 per transaction.
- Out-of-Network Fee: Charged by your bank. Often $2–$3 per use.
So, using the wrong ATM can easily cost $5–$8 total per withdrawal—every time.
Final Thoughts
Avoiding ATM fees is one of the easiest ways to stretch your money. Whether you bank online or with a traditional institution, fee-free ATM access is within reach. Use your bank’s tools, choose network partners like Allpoint or MoneyPass, and consider alternate options like cash back at retailers.
Want more helpful tips? Check out our full guide to ATM withdrawal limits and explore posts for specific banks, including Chase, PNC, and Wells Fargo.