ATM withdrawal fees vary dramatically depending on your bank, account type, and whether the ATM is in-network or out-of-network. This guide compares the ATM fees charged by major U.S. banks—plus the surcharges you may face when using machines outside your bank’s network.
Quick answer: Most major banks charge around $2.50 to $3.50 for out-of-network ATM withdrawals, and operator surcharges can push the total cost above $6 per transaction.
ATM withdrawal fees vary widely by bank, especially for out-of-network machines. For a full explanation of why fees exist and how to avoid them, visit our hub: ATM Fees Explained.
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 separate charges:
- Operator surcharge – charged by the ATM owner (often $3 to $6)
- Bank out-of-network fee – charged by your bank (often $2 to $3.50)
Many people pay both, which can exceed $6 per withdrawal at convenience-store or independent ATMs.
To avoid these charges entirely, start here: Fee-Free ATMs Near Me.
ATM Fees for Major U.S. Banks (2026)
Below is a general fee breakdown for major banks. Exact charges may vary slightly by account type and region.
Chase Bank
In-network ATM fee: $0
Out-of-network fee: $3.00
International ATM fee: $5 + 3% foreign transaction fee
Chase customers may also access select retail ATMs through partner networks. Compare options 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 ATMs support advanced dispensing features. Learn more here: 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, increasing surcharge-free availability nationwide.
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 networks. Related: Daily ATM Withdrawal Limits.
Capital One
In-network ATM fee: $0 (Allpoint included)
Out-of-network fee: $2.00
International ATM fee: $0 for most accounts
Capital One uses Allpoint heavily, making it easy to find fee-free ATMs inside Walgreens, CVS, and major retailers.
Truist
In-network ATM fee: $0
Out-of-network fee: $3.00
International ATM fee: $5
Truist customers often face surcharges at convenience-store ATMs. See nearby options here: Gas Station ATMs Near Me.
Online Banks With the Lowest ATM Fees
Online banks often provide the strongest ATM reimbursement programs or surcharge-free access:
- Chime – fee-free at 60,000+ ATMs
- Ally – up to $10/month reimbursement
- Fidelity – unlimited reimbursements
- Schwab – unlimited global reimbursements
See the full low-fee ranking here: Banks With the Lowest ATM Fees.
How to Avoid ATM Fees — Even Out of Network
- Use surcharge-free ATM networks whenever possible
- Withdraw larger amounts less frequently
- Use partner bank ATMs instead of independent machines
- Choose banks that reimburse ATM fees automatically
- Use mobile wallet ATMs for additional access points
To avoid being charged during an ATM malfunction, read: ATM Charged but No Cash.
FAQ: ATM Withdrawal Fees by Bank
What bank has the lowest ATM withdrawal fees?
Charles Schwab and Fidelity offer the lowest overall ATM costs due to unlimited reimbursements worldwide.
Do all banks charge out-of-network ATM fees?
Most do, but many online banks and credit unions reimburse these fees or provide surcharge-free access through partner networks.
Why do ATM fees cost so much?
Because you may be paying both the ATM operator surcharge and your bank’s out-of-network fee at the same time.
Final Thoughts
ATM withdrawal fees add up quickly, especially when using non-network machines. Knowing what your bank charges—and where you can withdraw for free—helps avoid unnecessary costs 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.
