Does CVS ATM Charge a Fee?

Understanding CVS ATM Fees: Do They Charge?

As you go about your day, you may find yourself in need of cash while near a CVS store. In such situations, you might wonder if using a CVS ATM will incur any fees. This article aims to shed light on the subject and help you understand whether CVS ATMs charge a fee or not. By the end, you will have a clearer picture of the potential costs involved, allowing you to make an informed decision.

Does CVS ATM Charge a Fee?

The answer to this question is both yes and no, depending on the specific circumstances. CVS operates ATMs in partnership with various banks, which means the fee structure can vary depending on the ATM’s owner and your personal banking relationship. Let’s explore the different scenarios:

  1. In-Network ATMs:

CVS has partnerships with several major banks, such as Chase, PNC, and Citibank, among others. If you are a customer of one of these partner banks, you can usually use the CVS ATM without incurring any additional fees. These ATMs are considered “in-network” for customers of those banks, and transactions are often free of charge. However, it is essential to verify with your bank if there are any specific limitations or conditions regarding CVS ATMs.

  1. Out-of-Network ATMs:

If you are not a customer of a bank that has an agreement with CVS, using a CVS ATM may result in fees. These fees typically come in two forms:

a. Surcharge Fee: CVS ATMs may impose a surcharge fee for out-of-network transactions. This fee is charged by the ATM’s owner and can vary depending on the location and operator. The surcharge fee is typically displayed on the ATM screen before you confirm the transaction, giving you the option to proceed or cancel.

b. Your Bank’s Fee: In addition to the surcharge fee, your bank may impose a fee for using an out-of-network ATM. This fee is typically charged by your bank and can vary based on your account type and banking relationship. To determine the exact fees imposed by your bank, it is advisable to review your account terms and conditions or contact your bank directly.

Tips to Avoid or Minimize Fees

To avoid or minimize fees when using CVS ATMs, consider the following tips:

  1. Use In-Network ATMs: If possible, open an account with one of CVS’s partner banks to enjoy fee-free transactions at CVS ATMs. Check with your bank to see if they have an agreement with CVS.
  2. Research Fee-Free ATMs: Utilize your bank’s website or mobile app to locate fee-free ATMs near you. Many banks provide this service to help their customers find convenient and cost-effective cash withdrawal options.
  3. Get Cash Back: Instead of relying solely on ATMs, consider purchasing at a retailer that offers cash-back services, including CVS stores. This way, you can withdraw cash without incurring any additional fees.

Related: Walgreens ATM fees


When it comes to CVS ATMs, whether you will be charged a fee or not depends on your banking relationship and the specific ATM you use. CVS has partnerships with several major banks, which can result in fee-free transactions for customers of those banks. However, if you are not a customer of an affiliated bank, you may encounter surcharge fees from the ATM owner and additional fees imposed by your bank. To avoid or minimize fees, it is advisable to use in-network ATMs, research fee-free options, or consider alternative methods such as cash back at retailers. Remember to review your bank’s terms and conditions or reach out to them for more information regarding ATM fees.