Bank ATM Guides | Compare Withdrawal Limits, Fees & Networks (Updated)

Q: Which bank has the largest ATM network?

Large national banks such as Chase, Bank of America, and Wells Fargo operate some of the biggest proprietary ATM networks in the United States. Many banks and credit unions also extend access through shared and partner networks, giving customers thousands of fee-free ATMs.

Q: Do all banks offer cardless ATM withdrawals?

No. Cardless withdrawals are available at many Bank of America, Wells Fargo, Chase, Capital One, and other bank ATMs, but not every institution has adopted them. Availability varies by location and machine, so customers should check their bank’s mobile app or ATM locator for cardless support.

Q: Can I use another bank’s ATM?

You can use another bank’s ATM, but you may incur out-of-network fees from your bank, the ATM owner, or both. To avoid extra charges, use in-network ATMs or look for surcharge free networks such as Allpoint, MoneyPass, or CO OP.

Q: Which banks refund ATM fees?

A number of online banks, credit unions, and premium checking accounts reimburse ATM fees up to a monthly limit. The refund amount and eligible accounts differ by institution, so customers should review their bank’s account terms or disclosures.

Looking for a reliable bank ATM near you? ATMs-NearMe makes it simple to compare ATM withdrawal limits, fees, and network access across the most popular banks and credit unions in the U.S. Whether you bank with Chase, Bank of America, Wells Fargo, Navy Federal, or another provider, our always-updated guides help you find fee-free, 24/7, and cardless ATMs anywhere in the country.

Quick Answers (2025):

Highest ATM limits: Premium and private banking tiers at major banks can offer several thousand dollars in daily ATM cash access. Check your bank’s guide below for details.
Largest fee-free access: Many credit unions and online banks give members access to tens of thousands of shared or partner ATMs.
Top surcharge-free networks: MoneyPass, Allpoint, and CO-OP.
Cardless access: Banks like Bank of America, Chase, Wells Fargo, and Capital One support cardless or mobile wallet ATM access at select machines.

Compare ATM Networks by Bank

Below is a high-level comparison of ATM access and fee policies at major U.S. banks and credit unions. Exact limits and fees can vary by account type, debit card, and your personal relationship with the institution, so always confirm in your bank’s app or by reviewing your account terms.

Bank / Credit Union	ATM Access	Fee Highlights
Bank of America	Large national ATM network	No fee in-network; standard fees out-of-network
Chase	Extensive U.S. ATM coverage	No fee in-network; out-of-network fees may apply
Wells Fargo	Nationwide branch + ATM footprint	No fee in-network; non–Wells Fargo ATM fees possible
PNC Bank	Regional ATMs plus select partners	No fee in-network; out-of-network fees vary
U.S. Bank	Regional ATMs across the Midwest & West	No fee in-network; typical non-network charges
Capital One	Proprietary ATMs plus partner networks	Fee-free at Capital One and many partner ATMs
Citibank	Broad domestic and global ATM access	No fee at Citi and select partners; non-Citi fees vary
Truist	Regional ATMs in the Southeast and beyond	No fee in-network; out-of-network surcharges possible
Citizens Bank	Regional ATM network in the Northeast & Midwest	No fee at Citizens ATMs; external ATM fees may apply
KeyBank	Regional ATMs plus select partners	No fee at KeyBank ATMs; others may charge
Huntington Bank	Strong Midwestern branch & ATM presence	No fee in-network; out-of-network fee policies vary
Fifth Third Bank	Regional ATMs across the Midwest & South	No fee at Fifth Third ATMs; some partner access
Ally Bank	Online bank with large partner ATM access	Fee-free at in-network ATMs; monthly ATM fee reimbursements
USAA	Access to a broad partner ATM network	Limited monthly ATM fee reimbursements on many accounts
Navy Federal Credit Union	Owned ATMs plus CO-OP & partner networks	Thousands of fee-free ATMs for members
PenFed Credit Union	Branch ATMs plus shared networks	Many fee-free options for PenFed members
Alliant Credit Union	Shared branching & ATM partners	Fee refunds and surcharge-free options for eligible members
Wright-Patt Credit Union	Regional ATM network plus shared branches	Fee-free options at many in-network ATMs

For a deeper comparison of withdrawal caps across institutions, see our ATM Withdrawal Limits Comparison and our guide to the best banks for high ATM withdrawal limits.

Browse Bank & Credit Union ATM Guides

Select your bank or credit union below to explore detailed ATM guides that cover withdrawal and deposit limits, cardless access, and fee policies.

Major U.S. Banks

Online, Military & Specialty Banks

Credit Unions

Tips for Using Bank ATMs (and Saving on Fees)

Stick to in-network ATMs from your bank or its partners to avoid out-of-network fees and surcharges whenever possible.
Use surcharge-free networks such as MoneyPass and Allpoint to tap into thousands of fee-free machines across the country.
Know your withdrawal limit before traveling or making large purchases—start with our ATM withdrawal guides or learn how to increase your ATM limit.
Try cardless and contactless options with cardless ATMs and contactless ATMs for faster, more secure access using your phone or wearable.
Use fee refunds to your advantage by choosing accounts that reimburse ATM charges, especially if you travel or use out-of-network ATMs frequently.
Stay safe at the ATM by using well-lit locations, shielding your PIN, and reviewing our ATM safety tips before late-night transactions.

Frequently Asked Questions

Which bank has the largest ATM network?
Among traditional banks, providers such as Chase, Bank of America, and Wells Fargo operate some of the largest proprietary ATM networks in the U.S. Many banks and credit unions also extend access through shared and partner networks, giving customers thousands of fee-free ATMs.

Do all banks offer cardless ATM withdrawals?
No. Cardless access is available at many Bank of America, Wells Fargo, Chase, Capital One, and other bank ATMs—but support varies by region and machine. Check your bank’s app for a “cardless” or “tap to access” filter.

Can I use another bank’s ATM?
Yes, but you’ll often pay out-of-network fees from your bank, the ATM owner, or both. To keep costs down, look for in-network or surcharge-free ATMs using your bank’s locator or major surcharge-free networks.

Which banks refund ATM fees?
Many online banks, credit unions, and premium checking accounts reimburse ATM fees up to a monthly limit. The refund amount and eligible accounts differ by institution, so review your bank’s account terms or disclosures.

How do ATM withdrawal limits compare between banks?
ATM withdrawal limits vary by bank, card, and account type. Many standard accounts allow a few hundred dollars per day, while premium or private banking tiers may permit several thousand dollars in daily cash withdrawals.

Find the Best Bank ATM Near You

Use ATMs-NearMe to locate trusted ATMs across every major U.S. bank and credit union. From cardless withdrawals to fee-free networks, our guides make it easier to access cash wherever you are. Start with your bank’s ATM guide above, or explore our main ATM Near Me hub for maps, city guides, and more ways to avoid fees.