ATM fees can add up quickly — especially when you’re traveling or using a machine outside your bank’s network. In this guide, we’ll show you how to avoid ATM fees in Texas, whether you’re in Dallas, Houston, or San Antonio. You’ll also find a list of fee-free ATM networks, tips on using mobile wallets, and ways to keep your cash access cost-free across the Lone Star State.
Why ATM Fees Are So Expensive in Texas
According to banking studies, the average out-of-network ATM fee in the U.S. is now over $4.50 per withdrawal. In Texas, where cities are spread out, these fees can add up fast — especially if you travel between major metros like Dallas, Houston, and San Antonio.
But the good news? With the right strategy, you can eliminate most ATM fees entirely.
Top Fee-Free ATM Networks in Texas
The easiest way to avoid ATM fees is to use a bank or credit union that belongs to a large, fee-free ATM network. Here are the best options across Texas:
- Allpoint Network – 55,000+ surcharge-free ATMs, often inside CVS, Walgreens, and Target stores.
- MoneyPass Network – 40,000+ free ATMs, with strong coverage in Texas cities.
- Co-Op Network – Mostly credit unions, with 30,000+ free ATMs nationwide.
- Bank-Specific Networks – Banks like Chase, Wells Fargo, and Bank of America offer free access to their own machines.
How to Find a Fee-Free ATM in Texas
To quickly locate a free ATM near you in Texas, try these tools:
- Use your bank’s mobile app ATM locator
- Search “surcharge-free ATM near me” on Google Maps
- Look inside major retailers like CVS, 7-Eleven, or Walmart for Allpoint or MoneyPass ATMs
- Check our city guides for Dallas, Houston, and San Antonio
Use Mobile Wallets for Cardless ATM Access
More Texas ATMs now support Apple Pay, Google Pay, and tap-to-pay cards. These features reduce fraud risk and often waive fees at in-network machines.
Learn more in our guide: How to Set Up Cardless ATM Access.
Get Cash Back at Stores Instead of ATMs
Many grocery stores, pharmacies, and big-box retailers in Texas offer cash back with debit purchases — no fees involved. Popular options include:
- Walmart
- CVS
- HEB
- Kroger
- Walgreens
Ask Your Bank About ATM Fee Reimbursements
Some banks and credit unions refund third-party ATM fees each month, up to a limit. Examples include:
- Charles Schwab Bank
- Ally Bank
- Axos Bank
- Local Texas credit unions
ATM Safety Tips in Texas
While avoiding fees is important, safety matters too. Always:
- Use ATMs in well-lit, busy areas
- Cover your PIN when entering it
- Check for skimming devices before inserting your card
- Opt for drive-thru ATMs at night if possible
Frequently Asked Questions
What is the average ATM fee in Texas?
Most out-of-network ATMs in Texas charge $2.50–$4.50 per transaction. Using in-network ATMs eliminates this cost.
Which banks have the most free ATMs in Texas?
Chase, Wells Fargo, Bank of America, and credit unions using Allpoint or MoneyPass have the widest fee-free coverage.
Final Tips
To avoid ATM fees in Texas: use fee-free networks, mobile wallets, and cashback options. Bookmark our Texas ATM Hub and city guides for Dallas, Houston, and San Antonio for fast access.