Need to withdraw cash but can’t find your bank’s ATM nearby? You’re not alone. Whether you’re traveling, out running errands, or simply in a different part of town, it’s common to wonder: Can I use another bank’s ATM—and what will it cost me?
The short answer is yes, but there are a few important things you should know before inserting your card.
Can You Use Another Bank’s ATM?
Yes, most banks allow you to use ATMs from other institutions thanks to shared networks like Plus, Cirrus, Allpoint, or MoneyPass. These networks connect thousands of ATMs across the country (and internationally), making it possible to access your account at ATMs not directly owned by your bank.
However, using an out-of-network ATM often results in extra fees—both from your bank and the machine owner.
What Is an Out-of-Network ATM?
An out-of-network ATM is any machine not owned by your bank or not part of its fee-free network. These include:
- ATMs operated by other banks
- Independent ATMs (like those at gas stations or small retailers)
- Foreign ATMs outside the U.S.
Your bank may still allow the transaction, but they’ll likely charge you a fee for doing so. In addition, the ATM owner might charge a usage fee—and it’s usually displayed on-screen before you proceed.
What Fees Should You Expect?
Here are the most common fees associated with using another bank’s ATM:
- ATM Operator Fee – Charged by the owner of the ATM, often $2 to $5 per withdrawal
- Out-of-Network Fee – Charged by your own bank, typically $2 to $3 per transaction
- Foreign Transaction Fee – If using an ATM abroad, you may pay a percentage-based fee (usually 1%–3%)
Combined, these fees can make a simple withdrawal unexpectedly expensive.
How to Avoid or Reduce ATM Fees
If you need to use another bank’s ATM, here are some smart ways to minimize the fees:
1. Use your bank’s mobile app to find in-network ATMs
Most banking apps now include fee-free ATM locators. You can filter results to show only approved partner networks like Allpoint or MoneyPass.
2. Withdraw larger amounts less frequently
Instead of withdrawing $20 multiple times, consider taking out $100 once to reduce total fee exposure.
3. Choose a bank that offers ATM fee reimbursements
Some banks and credit unions offer monthly ATM fee refunds, especially for online or high-yield checking accounts. Popular options include:
- Charles Schwab Bank (unlimited global ATM reimbursements)
- SoFi and Chime (up to a capped amount monthly)
- Fidelity Cash Management (unlimited ATM reimbursements)
- Capital One 360 Checking (no fees at Capital One or Allpoint ATMs)
Want to learn more about how Capital One handles fees, cardless access, and deposit limits? Check out our complete Capital One ATM guide.
4. Use cardless ATM access when possible
Some banks let you withdraw cash using your phone instead of a physical card. This is a safer, more flexible option—especially if you forget your wallet. See how it works in our cardless ATM access guide.
5. Get cash back at retailers
Major stores like Walmart, CVS, and grocery chains often offer cash back with debit card purchases—with no ATM fees involved.
Looking for other ways to avoid charges? Visit our complete guide to avoiding ATM fees.
Can You Deposit at Another Bank’s ATM?
In most cases, no—you cannot deposit cash or checks at an ATM that doesn’t belong to your bank. While some large banks may allow cross-bank deposits within the same network (such as shared credit union branches), this is increasingly rare.
If you need to deposit funds, your best bet is to:
- Use your bank’s mobile check deposit feature
- Visit a branch
- Find a Capital One or similar branded ATM that accepts deposits (see our ATM access guide for tips)
Can You Use a Credit Card at an ATM?
Yes, but this should be your last resort. Using a credit card at an ATM results in a cash advance, which triggers:
- Immediate interest (no grace period)
- High interest rates
- A separate cash advance fee, often 3%–5%
Learn more in our guide to using a credit card at an ATM.
Final Thoughts
You can absolutely use another bank’s ATM—but make sure you understand the trade-offs. Fees can add up quickly, but by using bank apps, smart withdrawal habits, and reimbursement-friendly accounts, you can keep more of your money where it belongs.