ATM fees are small but add up quickly. Between your bank’s out-of-network charge and a local surcharge, you could easily lose $5 or more per transaction. Fortunately, there are reliable ways to withdraw cash without paying ATM fees—whether you’re home, traveling, or using a digital bank.
Quick answer: The easiest ways to avoid ATM fees are using surcharge-free networks (like Allpoint or MoneyPass), getting cash back at stores, or choosing a bank that reimburses out-of-network withdrawals.
ATM fee avoidance strategies work best when you understand how surcharges and bank fees stack together. For the complete breakdown, see: ATM Fees Explained.
Why Do ATM Fees Exist?
Each ATM owner—whether it’s a bank, credit union, or retail store—charges fees to cover maintenance, cash replenishment, and network costs. You’re often hit twice: once by your bank for being “out of network,” and again by the ATM operator for using their machine.
Knowing how these fees work makes it much easier to avoid both layers of cost entirely.
1. Stick to In-Network or Partner ATMs
The easiest way to avoid fees is to use ATMs inside your bank’s network. These machines waive withdrawal charges for account holders. Many banks also join surcharge-free networks, meaning you can use other banks’ ATMs at no cost.
For example, Allpoint’s nationwide fee-free network partners with major digital banks and retailers.
Community banks and credit unions often use MoneyPass ATMs, giving members free access across thousands of shared locations.
2. Use Your Bank’s Mobile App To Find Free ATMs
Almost every major bank app includes a map of fee-free ATMs. This ensures you never guess or accidentally pay a surcharge.
Many fintech apps like Chime, Ally, and Capital One 360 also include built-in ATM locators that show which machines are free and which accept deposits.
If you’d rather browse on desktop, try our ATM Finder for the nearest fee-free machines with filters for cardless and 24-hour access.
3. Get Cash Back at Stores Instead of Using an ATM
Many grocery and retail stores let you request cash back when you make a debit purchase. There’s no ATM involved, so you skip the fee entirely.
Common options include Walmart, Kroger, CVS, Walgreens, and Target—just select “Debit” and “Cash Back” at checkout.
4. Plan Fewer, Larger Withdrawals
If you can’t find a free ATM nearby, minimize your cost by withdrawing larger amounts less often. Paying a $3 fee once is far better than paying it multiple times in smaller transactions.
This also helps you stay within your bank’s daily withdrawal rules. Related guide: Best Banks With High ATM Withdrawal Limits.
5. Travel Smart With Fee-Free Networks
When traveling, ATM fees can be even higher, especially internationally. Always check whether your bank partners with a surcharge-free network that operates where you’re headed.
See our full travel guide here: How to Avoid ATM Fees While Traveling.
6. Consider Banks That Reimburse Fees
Some online banks and credit-union accounts refund ATM fees at the end of each month. While it doesn’t stop the charge at the machine, it still makes withdrawals effectively free.
Popular examples include Charles Schwab, Fidelity, Ally Bank, and Alliant Credit Union. Full breakdown here: Banks That Refund ATM Fees.
7. Double-Check for Fee Warnings Before You Confirm
Every ATM must display a message before charging a surcharge. If a fee notice appears, press “Cancel” to back out.
You won’t be charged unless you confirm, so taking a few seconds to read the screen can save money every time.
Quick Recap: Smart Habits To Withdraw Cash Without Fees
- Use in-network or partner ATMs through free networks like Allpoint and MoneyPass.
- Check your bank’s app or an ATM locator before withdrawing.
- Use store cash back instead of an ATM when possible.
- Withdraw less often in larger amounts.
- Choose banks that reimburse ATM fees automatically.
- Cancel immediately if an ATM displays a surcharge warning.
FAQ: Withdrawing Cash Without Paying Fees
Can you withdraw cash without paying any ATM fees?
Yes. Using surcharge-free networks, store cash back, or a bank that reimburses fees can eliminate ATM costs entirely.
What is the best bank for avoiding ATM fees?
Charles Schwab and Fidelity are top options because they offer unlimited ATM fee reimbursements worldwide.
Do all ATMs charge surcharges?
No. Many machines inside networks like Allpoint and MoneyPass are completely surcharge-free for participating banks.
Is cash back at stores always free?
Usually yes, but some retailers may limit amounts or require a purchase.
Final Thoughts
ATM fees aren’t inevitable. With a little planning and the right tools, you can withdraw cash anywhere without losing money to surcharges.
Stick with verified networks, use locator apps, choose fee-friendly banks, and make smarter withdrawal choices to keep every dollar where it belongs—in your wallet.
For more background, the FDIC’s official guide to ATM fees provides a reliable overview of how surcharges work nationally.
