Fee-Free ATMs Near Me (2025 Guide): How to Find Surcharge-Free Cash

Updated November 2025 — Hate paying ATM fees? You don’t have to. With a little planning, you can find fee-free ATMs near you almost anywhere. This guide explains how to locate surcharge-free machines, which networks and banks offer the best deals, and how to avoid hidden costs at home and while traveling.

Need to see every ATM around you, not just fee-free ones? Start with our ATM Near Me hub for a live map of nearby machines, then use this guide to zero in on the ones that won’t charge you extra.

Who Has the Best Fee-Free ATMs Near Me in 2025?

If you’re asking “who has the best fee-free ATMs near me?” the answer depends on your bank and which networks they use. Some banks own large ATM networks. Others plug you into nationwide surcharge-free networks like Allpoint, MoneyPass, or CO-OP. Here are some of the most useful options in 2025:

For many people, Allpoint and MoneyPass offer the easiest way to get fee-free cash nationwide. If your bank or debit card participates in either network—or refunds surcharges automatically—you can enjoy truly fee-free access almost anywhere in the U.S.

What “Fee-Free” Really Means (3 Types of ATM Costs)

• Surcharge-free: The ATM owner doesn’t charge a fee at the machine. You should see $0.00 on the surcharge screen before you accept.
• Bank fee-free: Your bank doesn’t add its own “out-of-network” fee on top of the withdrawal.
• Refunded fees: Your account charges you at the ATM but your bank reimburses surcharges automatically each month (often up to a limit).

A truly fee-free ATM means both the ATM surcharge and your bank’s out-of-network fee are zero—or refunded later. Understanding these layers helps you compare banks and choose the right account if you withdraw cash often.

How to Find Fee-Free ATMs Quickly

• Use your bank’s ATM locator: Filter for “in network,” “surcharge free,” or “no fee” machines in your app or online banking.
• Check major networks: Use the Allpoint, MoneyPass, CO-OP, or SUM network locators to find ATMs that are free for your card.
• Look in retail stores: CVS, Walgreens, Target, many grocery chains, and some gas stations host network ATMs that can be fee free for partner banks.
• Plan before you travel: Save a few nearby fee-free ATMs in your maps app so you’re not stuck using the first expensive machine you see.
• Combine with our locator: Use the main ATM map on our site, then check which of those locations are in network or surcharge free for your card.

Banks and Accounts That Help You Avoid ATM Fees

Not all checking accounts are equal when it comes to ATM access. Some banks and online accounts are built around nationwide fee-free withdrawals. Common benefits include:

• Surcharge reimbursements: Your bank automatically refunds ATM fees you pay at other banks (up to a monthly dollar or transaction cap).
• Large in-network footprint: Big banks like Chase, Bank of America, Wells Fargo, and Capital One have extensive ATM networks with no fees for customers.
• Network partnerships: Credit unions and smaller banks often provide free access through Allpoint, MoneyPass, or CO-OP even if they own few ATMs themselves.

If you regularly pay $3–$5 per withdrawal, it may be worth switching to an account that refunds surcharges or taps into a larger surcharge-free network.

How to Avoid ATM Fees (Step by Step)

• 1. Start with in-network: Always check your bank’s app first and favor ATMs marked “in network” or “no fee.”
• 2. Read the surcharge screen: The ATM must show the fee before you confirm. If it isn’t $0.00, cancel and find a different machine.
• 3. Use cash back at stores: Many grocery stores and big-box chains let you get cash back with a purchase—often cheaper than a random out-of-network ATM.
• 4. Withdraw more, less often: If you must pay a fee, taking out a larger amount in one transaction costs less over time than multiple small withdrawals.
• 5. Try modern access options: Some surcharge-free ATMs also support tap-to-pay and mobile app access—see our guides on cardless and contactless ATMs for details.
• 6. Choose a better account: If you travel or use out-of-network ATMs frequently, pick a bank that refunds surcharges and has strong network partners.

Know Your Withdrawal Limits (Even at Fee-Free ATMs)

Fee-free doesn’t mean unlimited. Your bank still sets daily ATM withdrawal limits based on your account type and risk profile. Before a trip or big cash need, check your limit and request a temporary increase if necessary.

For typical ranges and bank-specific details, review our comparison: ATM Withdrawal Limits by Bank.

International Fee-Free ATM Tips

• Choose local currency billing: When an ATM asks “charge in USD or local currency,” pick local currency to avoid poor conversion rates.
• Use partner banks abroad: Many U.S. banks list foreign partners where you can withdraw cash with reduced or no extra fees.
• Watch for stacked fees: You might pay a local bank fee, a network fee, and a home bank fee. Check your bank’s foreign ATM policy before you travel.
• Bring a backup card: If one card is declined or retained, you won’t be stranded without cash.

FAQs About Fee-Free ATMs

Are fee-free ATMs always completely free?
No. “Surcharge-free” only means the ATM operator doesn’t charge a fee. Your bank might still add its own out-of-network fee unless your account waives or refunds it.

How do I know if an ATM is fee-free before using it?
Use your bank’s locator to find in-network machines, then read the surcharge screen carefully. If it shows anything other than $0.00, cancel the transaction and look for another ATM.

Do Allpoint or MoneyPass ATMs ever charge fees?
They can charge non-network cards. For a participating bank or credit union, they’re usually surcharge-free—but if your card isn’t in the network, you may still see a fee prompt.

Can I deposit at fee-free ATMs?
Sometimes. Many network ATMs, especially in retail stores, are withdrawal only. Use your own bank’s branch or an in-network deposit-enabled ATM for cash and check deposits.

Is cash back at checkout better than a fee-free ATM?
If it’s truly fee-free, an ATM is fine. But if your only nearby machines charge a surcharge, getting cash back with a small purchase at a grocery store or pharmacy may cost less overall.

Related Guides

• ATM Near Me (Main Locator)
• ATM Withdrawal Limits by Bank
• How to Increase Your ATM Withdrawal Limit
• Complete Guide to Avoiding ATM Fees
• Cardless ATMs Near Me
• Contactless ATMs Near Me

Bookmark this page to quickly find fee-free ATMs near you and build a simple plan to stop paying unnecessary cash withdrawal fees in 2025 and beyond.