Hate paying ATM fees? You don’t have to. With a little planning, you can find fee-free ATMs near you almost anywhere. This 2025 guide explains how to locate surcharge-free machines, which banks and networks offer the best deals, and how to completely avoid hidden costs.
Who Has the Best Fee-Free ATMs Near Me in 2025?
If you’re asking who has the best fee-free ATMs near me, it depends on your bank and which networks they use. Some banks own large networks, while others partner with national providers. Here are the top options offering broad access and zero surcharges in 2025:
- Allpoint Network: Over 55,000 ATMs located inside Walgreens, CVS, and Target stores.
- MoneyPass Network: More than 40,000 fee-free ATMs available through many regional banks and credit unions.
- Chase Bank: Around 15,000 in-network ATMs that support Apple Pay and Google Wallet.
- Wells Fargo: Offers contactless ATMs with no fees for customers.
- Navy Federal Credit Union: 30,000+ fee-free ATMs via CO-OP and Allpoint networks.
- Capital One: Provides free access at Allpoint and MoneyPass ATMs nationwide.
For most people, Allpoint and MoneyPass provide the broadest nationwide coverage. If your bank participates in either network—or refunds surcharges automatically—you can enjoy true fee-free cash access almost anywhere in the U.S.
What “Fee-Free” Really Means
- Surcharge-free: The ATM owner doesn’t charge a fee at the machine.
- Bank fee-free: Your bank doesn’t add its own out-of-network fee.
- Refunded fees: Your bank reimburses ATM surcharges (often with monthly caps).
Understanding the difference between these terms helps you compare banks and avoid unnecessary charges—especially if you travel or withdraw cash frequently.
How to Find Fee-Free ATMs Quickly
- Use your bank’s locator tool or app filters for “in-network” or “no fee.”
- Check major networks such as Allpoint, MoneyPass, or CO-OP Credit Union ATMs.
- Look in retail stores like CVS and Walgreens—many host networked machines.
- Save nearby fee-free locations in your maps app before you travel.
Banks That Help You Avoid Fees
Some banks and online accounts automatically refund third-party ATM fees. If you’re paying out-of-network charges often, it may be worth switching to an account that offers nationwide reimbursements or a larger no-fee network.
How to Avoid ATM Fees (Step-by-Step)
- Filter for in-network ATMs before heading out.
- Confirm the on-screen disclosure shows $0 surcharge before accepting.
- Use cash-back at grocery stores or retailers when possible.
- Withdraw larger amounts less frequently to minimize total fees.
- Choose accounts that automatically refund surcharges if available.
Know Your Withdrawal Limits
Even at fee-free ATMs, your bank may limit daily cash withdrawals. Check your account’s limits and ask for temporary increases before travel or large purchases. For general guidance, review our post on ATM withdrawal limits by bank.
International ATM Tips
- Always choose to be charged in local currency to avoid bad conversion rates.
- Use partner banks abroad to reduce or waive foreign ATM fees.
- Carry a backup card in case your primary debit card is declined or retained.
FAQs
Are fee-free ATMs always free?
No. “Surcharge-free” means the ATM owner doesn’t charge a fee, but your bank might still apply its own out-of-network fee unless it’s waived or refunded.
How do I know if an ATM is fee-free before using it?
Use your bank’s app to locate in-network machines and confirm on-screen that the fee is $0 before accepting the transaction.
Can I deposit at fee-free ATMs?
Some networked ATMs accept deposits, but many retail-hosted machines are withdrawal-only. Check your bank’s app for deposit availability.