11 Banks That Reimburse ATM Fees of 2025

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• Banking

Tired of getting hit with ATM fees every time you need cash? You’re not alone. Those charges can pile up—especially if you travel often or live in a spot without many in-network machines.

Some banks will reimburse you for those fees, either up to a certain amount or with no cap at all. That means you can use any ATM and still keep more of your money.

This guide breaks down how ATM fee reimbursements work, which banks offer the best options, and what to watch for before opening a new account.

11 Best Banks That Reimburse ATM Fees

Here’s a breakdown of top banks and credit unions that offer ATM fee reimbursements. Each one includes the key perks, so you can quickly compare your options.

1. Charles Schwab Bank

Our Top Pick
1. Charles Schwab Bank
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Features & Benefits

  • Unlimited ATM fee reimbursements worldwide
  • No foreign transaction fees
  • No monthly fees or overdraft charges

Charles Schwab’s High Yield Investor Checking Account includes unlimited ATM fee refunds anywhere in the world. The reimbursement covers both domestic and international ATM operator fees.

There are no monthly service fees, and Schwab doesn’t charge foreign transaction fees. You’ll need to open a Schwab One brokerage account, but it doesn’t require funding to qualify.

This account is especially popular with international travelers and digital nomads.

Apply online →

2. Consumers Credit Union

2. Consumers Credit Union
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Features & Benefits

  • Unlimited ATM fee reimbursements
  • Access to 30,000+ surcharge-free ATMs
  • No monthly maintenance fees

Consumers Credit Union offers unlimited ATM reimbursements with its Rewards Checking Account. This applies to both domestic and international ATM fees.

You’ll also have access to a nationwide network of over 30,000 surcharge-free ATMs. The account has no monthly fees, and you can qualify for high interest rates by meeting simple monthly requirements like direct deposit and debit card use.

Apply online →

3. Betterment

3. Betterment
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Features & Benefits

  • Reimburses all ATM fees worldwide
  • Also refunds the 1% Visa foreign transaction fee
  • No monthly fees or balance requirements

Betterment Checking covers 100% of ATM fees, both in the U.S. and abroad. It also refunds the 1% foreign transaction fee charged by Visa on international ATM withdrawals.

There are no monthly service fees, no overdraft charges, and no minimum balance required. It’s one of the most travel-friendly checking accounts available, especially if you often withdraw cash internationally.

Apply online →

4. Fidelity Cash Management Account

4. Fidelity Cash Management Account
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Features & Benefits

  • Unlimited ATM fee reimbursements worldwide
  • No monthly fees or minimum balance requirements
  • FDIC insurance through partner banks

The Fidelity Cash Management Account refunds all ATM fees globally, including those charged by the ATM operator. Reimbursements are credited at the end of each statement cycle.

Although it’s technically a brokerage account, it works like a checking account—complete with a debit card, mobile check deposit, and bill pay. There are no monthly fees or minimum balance requirements, and your funds are FDIC insured through partner banks.

This account is a strong choice if you want ATM fee freedom without the usual checking account restrictions.

Apply online →

5. LendingClub

5. LendingClub
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Features & Benefits

  • Unlimited ATM fee reimbursements
  • Available with Rewards Checking and Tailored Business Checking
  • No ATM usage fees from LendingClub

LendingClub offers unlimited ATM fee reimbursements when you open a Rewards Checking or Tailored Business Checking account. Refunds are applied automatically at the end of each statement cycle.

The bank doesn’t charge any fees for using non-network ATMs. Just keep in mind that foreign transaction fees may still apply if you’re withdrawing cash internationally.

Apply online →

6. Alliant Credit Union

6. Alliant Credit Union
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Features & Benefits

  • Reimburses up to $20 per month in out-of-network ATM fees
  • Rebates deposited daily
  • Access to 80,000+ fee-free ATMs through Allpoint and CO-OP

Alliant Credit Union’s High-Rate Checking Account offers up to $20 per month in ATM fee reimbursements. Rebates are deposited daily, so you don’t have to wait until the end of the month to get your money back.

You’ll also get access to over 80,000 surcharge-free ATMs nationwide. Alliant doesn’t charge monthly maintenance fees, and you only need to keep $100 in your account to earn interest.

Membership is open to anyone with a one-time $5 donation to an affiliated nonprofit. Alliant will even cover that donation for you.

Apply online →

7. Ally Bank

7. Ally Bank
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Features & Benefits

  • Reimburses up to $10 per statement cycle for out-of-network ATM fees
  • Access to 75,000+ Allpoint and MoneyPass ATMs
  • No monthly maintenance fees

Ally’s Interest Checking Account includes up to $10 per month in ATM fee reimbursements for out-of-network machines in the U.S. Refunds are applied automatically at the end of each statement cycle.

You also get free access to more than 75,000 ATMs through the Allpoint and MoneyPass networks. That wide coverage helps most customers avoid fees in the first place.

The account has no monthly service charges, no minimum balance, and no hidden conditions. It’s a solid option if you want a low-maintenance account with reliable ATM flexibility.

Apply online →

8. EverBank

8. EverBank
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Features & Benefits

  • Reimburses up to $15 per month in ATM fees
  • Unlimited reimbursements with a $5,000 balance
  • Access to 80,000+ Allpoint and MoneyPass ATMs

EverBank’s Yield Pledge Checking Account reimburses up to $15 in ATM fees each month. If your average daily balance is $5,000 or more, that cap is lifted and all ATM fees are refunded.

The account also gives you access to more than 80,000 fee-free ATMs across two major networks. There are no monthly maintenance fees, and the account earns interest on your balance.

Apply online →

9. TD Bank

9. TD Bank
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Features & Benefits

  • Unlimited ATM fee reimbursements
  • Available with Beyond Checking
  • $25 monthly fee, waived with $2,500 minimum daily balance

TD Bank’s Beyond Checking account includes unlimited out-of-network ATM fee reimbursements. There’s a $25 monthly fee, but it’s waived if you maintain a daily balance of $2,500 or more, or receive qualifying direct deposits.

If you often use non-TD ATMs and can meet the balance requirement, this account can save you quite a bit in fees over time.

Apply online →

10. USAA

10. USAA
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Features & Benefits

  • Reimburses up to $10 per month in ATM fees
  • Available with Classic Checking
  • Foreign transaction fee applies on international withdrawals

USAA’s Classic Checking account reimburses up to $10 per month in ATM fees. Reimbursements apply to withdrawals made at any U.S.-based ATM, and credits are issued monthly.

International withdrawals come with a 1% foreign transaction fee. Membership is open to military members and their immediate families.

Apply online →

11. Huntington Bank

11. Huntington Bank
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Features & Benefits

  • Reimburses 5 non-Huntington ATM fees per cycle with Perks Checking
  • Unlimited reimbursements with Platinum Perks Checking
  • Refunds cover fees charged by ATM owners

Huntington Bank’s Perks Checking account includes up to five ATM fee reimbursements per statement cycle. If you need more flexibility, the Platinum Perks Checking account bumps that up to unlimited reimbursements.

Both accounts cover not just Huntington’s own fees, but also fees charged by third-party ATM operators.

Apply online →

What Are ATM Fee Reimbursements?

ATM fee reimbursements are a simple way for banks to refund the charges you rack up when using an out-of-network ATM. Depending on the account, banks may cover a few dollars a month or offer unlimited refunds—even for international fees.

How ATM Fees Work

When you use an ATM outside your bank’s network, you can get hit with two fees. One comes from your own bank for using an out-of-network machine. The other comes from the ATM operator itself.

These fees typically range from $2.50 to $5 or more per transaction. If you withdraw cash frequently, they can add up fast—especially if you’re traveling or live in an area with limited access to in-network ATMs.

How Reimbursements Work

Some banks offer flat-rate reimbursements, like $10 or $15 per month. Others go further and offer unlimited refunds, even on international withdrawals. A few also cover foreign transaction fees.

In most cases, refunds are automatic and show up at the end of your statement cycle. Some banks credit them immediately, while others require you to submit a claim or receipt. The terms vary, so it’s important to read the fine print before you open an account.

woman using ATM

What to Look for in a Bank That Reimburses ATM Fees

Not all reimbursement policies are created equal. Some banks offer full flexibility, while others come with restrictions that can make the perk less useful. Here’s what to check before you open an account.

Domestic vs. International Coverage

Many banks only refund ATM fees within the U.S. If you travel abroad, you’ll want a bank that also covers international ATM fees—and ideally, foreign transaction fees as well. Some banks reimburse both, while others refund the ATM fee but still charge currency conversion or international processing fees.

Monthly Caps

Some banks reimburse unlimited fees, but others set a monthly cap, often around $10 to $20. If you only use ATMs occasionally, a cap may be fine. But if you withdraw cash often or live in an area with limited ATM access, unlimited reimbursement can save you more.

Account Requirements

To qualify for ATM refunds, some banks require you to meet certain conditions. This might include setting up direct deposit, maintaining a minimum balance, or making a certain number of debit card purchases each month. Accounts with no strings attached offer more flexibility, but high-interest options usually come with some requirements.

Refund Timing

Some banks credit ATM fee reimbursements instantly, while others apply them monthly or after your statement closes. If you’re tight on cash, timing can matter. Instant refunds are more convenient, but they’re less common.

Who Benefits Most From ATM Fee Reimbursement Accounts?

ATM fee reimbursement isn’t just a nice perk—it can be a money-saver for the right person. Here’s who stands to benefit the most:

  • Frequent travelers: Especially international travelers, who often face steep ATM and foreign transaction fees.
  • People in rural or underserved areas: If your local options are limited, you’re more likely to use out-of-network machines.
  • Cash-heavy users and gig workers: If you’re withdrawing tips, payments, or earnings often, the fees can add up fast.

Tips to Avoid ATM Fees Altogether

ATM fee reimbursements are great—but avoiding fees in the first place is even better. Here are a few simple ways to skip the charges:

  • Use in-network ATMs: Look for banks that are part of large surcharge-free networks like Allpoint or MoneyPass.
  • Get cash back at stores: Many grocery stores and retailers offer free cash back with a debit card purchase.
  • Go digital: Mobile wallets, P2P apps, and tap-to-pay options can reduce your need for cash entirely.

Final Thoughts

If you’re regularly paying ATM fees, switching to a bank that offers reimbursements can absolutely make sense. Even modest refunds can save you $100 or more per year.

Some of the best accounts combine ATM refunds with high-yield interest and no monthly fees, giving you even more value. Just make sure to read the fine print—some benefits require account activity or can change without much notice.

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