Paying $3 to $7 just to take out your own money isn’t just annoying—it’s a complete waste. Whether it’s a charge from your bank or a fee from the ATM operator, those small hits can add up fast.
If you withdraw cash regularly, those fees can cost you hundreds per year. And with many banks offering ways to avoid them entirely, there’s no good reason to keep paying.
This guide breaks down clear, simple strategies to help you avoid ATM fees altogether—whether you’re choosing a bank, looking for the right ATM, or getting cash without using one at all.
9 Smart Ways to Avoid ATM Fees
ATM fees might seem small, but they can add up fast—especially if you’re using out-of-network machines regularly. The good news? There are simple, practical ways to avoid them completely.
Here’s how to keep more of your money and stop paying just to access your own cash.
1. Use In-Network ATMs Whenever Possible
The easiest way to avoid ATM fees is to stick with machines in your bank’s network. Most banks and credit unions partner with large ATM networks that offer free withdrawals—if you know where to look.
How to Find In-Network ATMs
You don’t need to guess which machines are free. Just open your mobile banking app or use your bank’s ATM locator tool. These tools show nearby fee-free ATMs and help you avoid guessing at the machine.
Many banks are also part of nationwide networks that allow fee-free withdrawals at partner machines. Some of the most common include:
- Allpoint – Over 55,000 ATMs at places like CVS, Target, and Walgreens
- MoneyPass – Found in many local credit unions and regional banks
- Co-op Network – Mostly credit unions, but with good nationwide reach
Check with your bank to see which network it belongs to and where you can withdraw for free.
Watch Out for ATM Branding Tricks
Just because an ATM has your bank’s logo doesn’t mean it’s in-network. Some independent machines may display your bank’s branding for convenience but still charge you a fee. Always check your bank’s app or website before assuming it’s free.
2. Pick a Bank That Reimburses ATM Fees
If you can’t always find an in-network ATM, the next best thing is choosing a bank that refunds those fees. Some banks cover all ATM charges, while others offer a set number of reimbursements each month.
Online Banks Known for ATM Refunds
Online banks often lead the way when it comes to fee reimbursements. They know their customers aren’t near a branch and need easy access to their money. A few examples:
- Ally Bank – Refunds up to $10 per statement cycle
- Chime – Offers access to over 60,000 fee-free ATMs and reimburses some fees
- SoFi – Offers unlimited ATM reimbursements with their checking account
These banks usually have no monthly fees either, making them a strong option if you’re tired of ATM charges.
Credit Unions With Broad ATM Networks
Many credit unions are part of shared ATM networks that allow members to withdraw cash without fees at thousands of locations. The Co-op ATM Network, for example, gives members access to over 30,000 machines across the country.
If you prefer banking locally but still want fee-free access, a credit union in a large ATM network can offer the best of both worlds.
3. Plan Ahead to Minimize ATM Visits
Avoiding ATM fees often comes down to a little bit of planning. If you can limit how often you need cash, you can limit how often you risk getting charged for it.
4. Withdraw Larger Sums Less Frequently
If you’re constantly grabbing $20 here and there, those small fees can stack up fast. Instead, try withdrawing a larger amount in one visit and budgeting it out over time. You’ll reduce your exposure to fees and avoid running into a cash crunch later in the week.
5. Keep Emergency Cash in a Safe Place
It’s smart to have a little cash tucked away at home for unexpected situations. Whether the power’s out, your card isn’t working, or you’re stuck without ATM access, a small emergency stash can help you sidestep unnecessary fees and hassle.
6. Use Digital Wallets and Payment Apps
Cash isn’t as necessary as it used to be. Many stores, restaurants, and even service providers accept digital payments—and some now prefer them.
If you haven’t already, start using apps like Apple Pay, Google Pay, Venmo, or PayPal. These let you pay directly from your phone, split costs with friends, and even transfer money to others without needing physical bills.
7. Send Money to a Friend with Fee-Free ATM Access
If you’re in a spot where only cash will work, and you’re stuck with an out-of-network ATM, ask a friend with fee-free access to withdraw for you. Just transfer them the amount via Venmo or Cash App. It’s a quick workaround that costs nothing extra.
8. Know the Fee Types You Might Be Hit With
Not all ATM fees come from one place. In many cases, you’re getting hit from two sides.
ATM Operator Fees vs. Bank Fees
When you use an out-of-network ATM, the operator of that machine charges a fee—and your bank might tack on another. These charges are separate, and they show up as two different line items on your statement.
Foreign Transaction Fees When Traveling
If you’re using an ATM abroad, expect even more charges. Some banks add foreign transaction fees on top of ATM surcharges. Travel-friendly accounts from banks like Charles Schwab or Capital One 360 can help you skip these extra charges.
9. Use Alternative Accounts or Prepaid Cards for ATM Perks
Most people only think about their main checking account when it comes to ATM access—but there are other ways to set yourself up for fewer fees.
Open Secondary Accounts Just for ATM Perks
Some people keep a secondary account with a bank that offers unlimited ATM fee refunds. You can transfer money there when you need cash and use it only for ATM access. It’s a simple way to work around limits if your primary bank doesn’t offer reimbursements.
Use Prepaid Debit Cards with Fee-Free ATM Access
Several prepaid debit cards give you access to large ATM networks without extra charges. If you find yourself relying on cash often, this can be an easy backup plan to avoid getting gouged at the machine.
Final Thoughts
ATM fees are one of those expenses that are easy to ignore—until you realize how often they hit your account. But once you take a closer look, it becomes clear just how unnecessary they really are.
By choosing the right account, using smarter payment options, and being strategic about when and how you access cash, you can skip ATM fees for good. Take a few minutes to set yourself up now, and your future self will thank you.
