ATM fees keep rising, but many banks and credit unions now offer ways to withdraw cash without paying extra—including access to nationwide surcharge-free ATM networks, partner banks, and reimbursed ATM fees. This updated 2026 guide breaks down the banks with the lowest ATM fees and how you can avoid surcharges entirely.
If you’re new to ATM fees and network routing, start with our overview here: Surcharge-Free ATMs.
Why ATM Fees Are Increasing
Bank and ATM operator fees are rising due to increased cash-handling costs, armored transport expenses, and security upgrades. This makes choosing a bank with low or no ATM fees more important than ever.
To understand how ATM networks determine fees behind the scenes, see our technical explainer: Surcharge-Free vs Paid ATM Networks.
Best Banks With No ATM Fees (2026)
These banks offer the lowest ATM fees nationwide—many reimburse fees or provide free access to large surcharge-free networks.
1. Alliant Credit Union
ATM Network: Allpoint + MoneyPass
Out-of-network fee: $0
Reimbursements: Up to $20/month
Alliant offers the best combination of low fees, national access, and strong reimbursement policies.
2. Charles Schwab Bank
ATM Network: Unlimited worldwide
Out-of-network fee: $0
Reimbursements: Unlimited global ATM fee refunds
Ideal for travelers or anyone who regularly withdraws cash in different cities or countries.
3. Chime
ATM Network: MoneyPass + Allpoint
Out-of-network fee: $2.50
Surcharge-free ATMs: 60,000+ locations
Chime customers can also withdraw using mobile wallet ATMs. Learn more: Chime ATM Near Me.
4. Fidelity Cash Management
ATM Network: Anyone, anywhere
Out-of-network fee: $0
Reimbursements: Unlimited reimbursements
Fidelity’s account acts like a hybrid checking/investment option with excellent fee coverage.
5. Navy Federal Credit Union
ATM Network: CO-OP + Navy Federal
Out-of-network fee: $1
Reimbursements: Up to $10/month
Military families benefit most from NFCU’s large surcharge-free network. See local ATM compatibility here: ATMs Compatible with Navy Federal.
Banks With Large Surcharge-Free ATM Networks
If you prefer withdrawing cash at larger retail chains, these banks integrate deeply with the biggest surcharge-free networks.
MoneyPass Network Banks
- Chime
- U.S. Bank
- Fifth Third Bank
- PNC (selected accounts)
Compare with Allpoint here: Allpoint vs MoneyPass.
Allpoint Network Banks
- Chase (certain accounts)
- Capital One 360
- Chime
- Ally Bank
Allpoint ATMs are available in Walgreens, CVS, Kroger, Target, and Rite Aid—making them extremely convenient.
Banks With Free International ATM Withdrawals
If you travel abroad, these banks offer the lowest (or zero) international ATM fees:
- Charles Schwab – Unlimited reimbursements
- Fidelity – Unlimited reimbursements
- SoFi – Reimburses all ATM fees
- Revolut – Good for international travel
How to Avoid ATM Fees Even If Your Bank Charges Them
You can still avoid fees even with a bank that doesn’t reimburse ATM charges. Strategies include:
- Using surcharge-free networks
- Withdrawing cash at bank affiliates or partner locations
- Using mobile wallet ATMs to access more machines
- Withdrawing higher amounts less frequently
See our guide on avoiding fees: How to Withdraw Cash Without Paying Fees
Final Thoughts
The best banks for low ATM fees in 2026 offer large surcharge-free networks, strong reimbursement policies, and modern mobile wallet ATM access. Whether you want unlimited refunds (Schwab, Fidelity) or easy nationwide access (Chime, Alliant), the right bank can help you withdraw cash anytime—without losing money to fees.
