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Some banks do not charge out-of-network ATM fees and offer reimbursements if you’re charged by another financial institution.
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Many banks have free ATM networks but charge you for using an out-of-network ATM.
The out-of-network ATM provider usually charges you an additional fee.
Some banks don’t charge ATM fees and even refund fees charged by ATM providers.
Depending on where you bank, you may have to pay ATM fees for using another financial institution’s ATM network.
Here’s what you can expect to pay in out-of-network ATM fees at the biggest national, regional, and online banks.
ATM fees at national banks
Most brick-and-mortar banks charge fees for using out-of-network ATMs. National banks tend to waive ATM fees on certain checking accounts, though. If you’re interested in an institution but turned off by the fee, check whether there’s a zero-ATM-fee account option.
CompanyOut-of-network ATM feeNext steps
Bank of America
$2.50Learn more$3Learn more
Chase Bank
$3 to $5Learn more
Citi
$2.50Learn more
Huntington Bank
$3.50Learn more
Pentagon Federal Credit Union
$1.50Learn more
PNC
$0 to $3, Refunds some out-of-network ATM fees*Learn more
Regions Bank
Santander Bank
TD Bank
$0 to $3Learn more
US Bank
$2.50Learn more
Wells Fargo
$2.50Learn more
Note: Starting on October 23, 2022, PNC Bank will no longer provide any out-of-network ATM reimbursements for Standard Checking accounts, and offer only two free out-of-network ATM reimbursements per month for Performance Checking Accounts.
ATM fees at regional banks
Regional banks tend to charge lower ATM fees than national banks. Not all regional institutions have accounts that refund fees charged by ATM providers, though.
CompanyOut-of-network ATM feeNext steps
Associated Bank
BNP Paribas
Comerica
Fifth Third Bank
First Horizon Bank
Golden 1 Credit Union
KeyBank
$3Learn moreSecurity Service Federal Credit Union has branches in 3 states
Park North Shopping Center
$1.50Learn more
Synovus
$2.50Learn more
Union Bank
None, two free reimbursements per monthLearn more
United Bank
VyStar Credit Union
NoneLearn more
ATM fees at online banks
Online banks typically have the most lenient ATM fees. Many won’t charge you, and it’s common for them to refund some fees charged by out-of-network ATM providers.
CompanyOut-of-network ATM feeNext steps
Affinity Plus Federal Credit Union
NoneLearn more
Alliant Credit Union
None, $20/month refundsLearn more
Ally
None, $10/month refundsLearn more
America First Credit Union
$1.50 Learn more
Deposits are FDIC Insured
None, 1 fee refund/month for Aspiration Plus AccountLearn more
Axos Bank
None, $8/month to unlimited refundsLearn more
Bank5 Connect logo
None, $15/month refundsLearn more
Bethpage Federal Credit Union
NoneLearn more
Betterment
None, unlimited refundsLearn more
BrioDirect
None, $20/month refundsLearn more
Capital One 360
NoneLearn more
CFG
NoneLearn more
Chime
$2.50Learn more
CIT Bank
None, $30/month refundsLearn more
Connexus Credit Union
None, $25/month refundsLearn more
Daylight
NoneLearn more
Discover Online Savings Account
NoneLearn more
First Internet Bank
NoneLearn more
HMBradley
NoneLearn more
Kinly
$2.50Learn more
LendingClub
None, $0 to unlimited refundsLearn more
Nationwide CD
None, unlimited domestic refundsLearn more
NBKC Bank
None, $12/month refundsLearn more
Northern Bank
Premier Members Credit Union
NoneLearn more
Robinhood
NoneLearn more
Salem Five
None, $15/month refundsLearn more
Service Credit Union
NoneLearn more
SoFi
NoneLearn more
Synchrony High-Yield Savings
None, $5/month refundsLearn more
TAB Bank
$1 to $2Learn moreNone, up to $15/month refundsLearn more
Varo
$2.50Learn more
Wealthfront
$2.50Learn more
Wings Financial Credit Union
10 fee refunds/month, $2.50 afterLearn more
How much are ATM fees?
Most banking institutions have free ATM networks. For example, as a Bank of America customer, you can use any Bank of America ATM for free. Online banks generally don’t have their own ATM networks, but they often partner with a large network like Allpoint or MoneyPass so you have free access to thousands of ATMs around the US.
But you may incur ATM fees if you use a machine outside of the network. Here are some typical fees:
Fees from the bank: The bank itself may charge you up to a few dollars for using an out-of-network ATM.Fees from the ATM provider: If you use an out-of-network ATM, the company servicing that machine will probably charge you an additional fee. Let’s say you are a Bank of America customer who uses a non-Bank of America ATM. Bank of America would charge you $2.50, and the provider charges you $3. You’d pay $5.50 total for withdrawing money.International ATM fees: If you use an out-of-network ATM in a foreign country, you’ll probably pay an additional fee on top of your bank ATM fee and provider ATM fee. Some banks charge their usual out-of-network ATM fee, and some charge a higher fee. For example, you’d pay $5 to withdraw money from a foreign ATM with Bank of America instead of the usual $2.50. You’d also pay a 3% foreign transaction fee, plus any fee the ATM provider may charge.
Some ATM providers may charge you for either withdrawing funds or checking your balance, while others will let you check your balance for free.
How to avoid bank ATM fees
Bank ATM fees can add up quickly. Here are some tips for paying less (or none at all):
Choose a bank with no ATM fees. Not all banks charge out-of-network ATM fees. Consider one that either doesn’t charge fees at all or has a checking account option with no fees.Choose a bank that refunds ATM fees. Even if an institution doesn’t charge you for using an out-of-network ATM, the machine provider may. Some banks reimburse up to a certain amount every month in fees charged by an out-of-network provider. If you suspect you’ll use non-network ATMs frequently, look for a bank that will refund you.Choose a bank with easily accessible ATMs. Maybe some of your top bank picks all charge ATM fees. You’ll probably prefer the one with free machines near your home or office.Withdraw more money at once. Another solution is just to use ATMs less often. You can withdraw more money at one time rather than visiting ATMs frequently and paying multiple fees. The downside is that you may feel uncomfortable keeping a bunch of cash on hand.
Bank ATM fees can get expensive. But there are plenty of ways to avoid these charges, or at least pay less.