ATM withdrawal fees vary dramatically depending on your bank, account type, and whether the ATM is in-network or out-of-network. This 2026 guide compares the ATM fees charged by major U.S. banks—plus the surcharges you’ll face when using machines outside your bank’s network.
If you haven’t seen how ATM routing affects fees behind the scenes, read: How ATM Networks Route Transactions.
Average ATM Fees in 2026
The cost of using an ATM typically includes two charges:
- Operator surcharge – charged by the ATM owner
- Bank out-of-network fee – charged by your bank
Many people pay both, which can exceed $6 per withdrawal at some machines.
To avoid these charges entirely, check out our guide: Fee-Free ATMs Near Me.
ATM Fees for Major U.S. Banks (2026)
Here is the most up-to-date fee breakdown for major banks.
Chase Bank
In-network ATM fee: $0
Out-of-network fee: $3.00
International ATM fee: $5 + 3% foreign transaction fee
Note: Chase customers can use select retail ATMs through Allpoint partners. Compare networks here: Allpoint vs MoneyPass.
Bank of America
In-network ATM fee: $0
Out-of-network fee: $2.50
International ATM fee: $5 + 3%
Having issues with a BofA ATM retaining your card? Read: Bank of America ATM Took My Card.
Wells Fargo
In-network ATM fee: $0
Out-of-network fee: $2.50
International ATM fee: $5
Wells Fargo’s ATMs support advanced cash dispensing features. Learn how dispensers work: ATM Cash Dispensers Explained.
U.S. Bank
In-network ATM fee: $0
Out-of-network fee: $2.50
International ATM fee: $5
U.S. Bank participates in the MoneyPass network, which increases surcharge-free availability.
PNC Bank
In-network ATM fee: $0
Out-of-network fee: $3.00
International ATM fee: $5
Certain PNC accounts allow access to both Allpoint and MoneyPass. Compare withdrawal limits here: Daily ATM Withdrawal Limits.
Capital One
In-network ATM fee: $0 (Allpoint network included)
Out-of-network fee: $2.00
International ATM fee: $0 for most accounts
Capital One uses Allpoint heavily—useful for ATM access at major retailers like Walgreens and CVS.
Truist
In-network ATM fee: $0
Out-of-network fee: $3.00
International ATM fee: $5
Truist customers often face out-of-network fees at convenience store ATMs. For cheaper options, see: Gas Station ATMs Near Me.
Online Banks With the Lowest ATM Fees
Online banks tend to offer the best ATM reimbursement programs:
- Chime – fee-free at 60,000+ ATMs
- Ally – $10/mo reimbursement
- Fidelity – unlimited reimbursements
- Schwab – unlimited global reimbursements
See our full breakdown of low-fee banks here: Banks With the Lowest ATM Fees.
How to Avoid ATM Fees — Even Out of Network
- Use surcharge-free ATM networks
- Withdraw larger amounts less frequently
- Use partner bank ATMs
- Use mobile wallet ATMs for additional access points
To avoid being charged during a malfunction, read: ATM Charged but No Cash.
Final Thoughts
ATM withdrawal fees add up quickly, especially when using non-network ATMs. Knowing what your bank charges—and where you can withdraw for free—helps avoid unnecessary fees and protect your cash. Whether you prefer a large national bank or an online bank with reimbursements, the right choice can eliminate ATM fees entirely.
