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.
Quick answer: The lowest ATM fees come from banks that either reimburse out-of-network charges (like Schwab and Fidelity) or provide free access to major surcharge-free networks like Allpoint and MoneyPass.
ATM fees can come from both the machine owner and your bank, which is why understanding surcharge rules matters. For the full overview, visit our hub: ATM Fees Explained.
If you’re new to surcharge-free ATM access and network routing, start with our main guide here: Surcharge-Free ATMs.
Why ATM Fees Are Increasing in 2026
ATM surcharges continue to rise due to higher cash-handling costs, armored transport expenses, security upgrades, and fewer banks maintaining large branch networks. Many ATM operators now charge $3.50 to $6.00 per withdrawal at independent machines.
In 2026, the best way to avoid these costs is choosing a bank that offers either ATM fee reimbursements or built-in access to a large surcharge-free network.
To understand how ATM networks determine fees behind the scenes, see our full explainer: Surcharge-Free vs Paid ATM Networks.
Best Banks With the Lowest ATM Fees (2026)
These banks and credit unions offer the lowest ATM fees nationwide. Most either reimburse surcharges or provide free access to massive ATM networks.
1. Charles Schwab Bank
Out-of-network fee: $0
ATM reimbursements: Unlimited worldwide refunds
Best for: Travelers and anyone withdrawing cash often
Schwab is consistently the #1 option for avoiding ATM fees entirely, especially if you travel or use different ATMs frequently.
2. Fidelity Cash Management Account
Out-of-network fee: $0
ATM reimbursements: Unlimited reimbursements
Best for: Hybrid checking + investing users
Fidelity’s cash management account works like a checking account but includes some of the strongest ATM fee coverage available.
3. Alliant Credit Union
ATM network: Allpoint + MoneyPass
Out-of-network fee: $0
Reimbursements: Up to $20/month
Alliant offers one of the best combinations of national ATM access, low fees, and generous reimbursements.
4. Chime
ATM network: MoneyPass + Allpoint
Surcharge-free ATMs: 60,000+ locations
Out-of-network fee: $2.50
Chime is one of the easiest digital banking options for accessing surcharge-free ATMs nationwide. Learn more here: Chime ATM Near Me.
5. Navy Federal Credit Union
ATM network: CO-OP + Navy Federal ATMs
Out-of-network fee: $1.00
Reimbursements: Up to $10/month
Navy Federal is one of the best choices for military families seeking low fees and strong ATM access. See compatible machines here: ATMs Compatible with Navy Federal.
6. Capital One 360
ATM network: Allpoint
Out-of-network fee: $0 at partner ATMs
Best for: Everyday fee-free withdrawals
Capital One 360 customers can withdraw cash surcharge-free at thousands of Allpoint locations inside major retailers.
Banks With the Largest Surcharge-Free ATM Networks
If you prefer withdrawing cash at major retail chains, these networks provide the most widespread surcharge-free access.
MoneyPass Network Banks
- Chime
- U.S. Bank (select accounts)
- Fifth Third Bank
- PNC (certain packages)
Compare the two biggest networks here: Allpoint vs MoneyPass.
Allpoint Network Banks
- Capital One 360
- Ally Bank
- Chime
- Alliant Credit Union
Allpoint ATMs are commonly found inside Walgreens, CVS, Kroger, Target, and Rite Aid.
Banks With Free International ATM Withdrawals
If you withdraw cash abroad, these banks offer the lowest international ATM costs in 2026:
- Charles Schwab – Unlimited worldwide refunds
- Fidelity – Unlimited reimbursements
- SoFi – Fee reimbursements at many ATMs
- Revolut – Strong travel-focused ATM access
How to Avoid ATM Fees (Even If Your Bank Charges Them)
You can still avoid surcharges even if your bank does not reimburse fees. The best strategies include:
- Using surcharge-free ATM networks whenever possible
- Withdrawing cash at partner bank locations
- Taking out larger amounts less frequently
- Using mobile wallet-enabled ATMs for better access
- Switching to an account with reimbursements if you withdraw often
Full guide here: How to Withdraw Cash Without Paying Fees.
FAQ: Lowest ATM Fees in 2026
What bank refunds all ATM fees?
Charles Schwab and Fidelity are the top banks in 2026 offering unlimited ATM fee reimbursements worldwide.
Do surcharge-free ATMs still charge fees?
No. Surcharge-free ATMs do not charge operator fees, but your bank may still charge an out-of-network fee unless it is waived or reimbursed.
What ATM network is the largest?
Allpoint and MoneyPass are the two largest surcharge-free ATM networks in the U.S., offering access inside pharmacies, grocery stores, and retail chains.
How much is the average ATM fee in 2026?
Most ATM surcharges now range from $3.50 to $6.00 per withdrawal, especially at independent or convenience-store machines.
Final Thoughts: Best Banks for Lowest ATM Fees
The best banks for low ATM fees in 2026 offer large surcharge-free networks, strong reimbursement policies, and modern access through mobile banking. Whether you want unlimited refunds (Schwab, Fidelity) or easy nationwide surcharge-free withdrawals (Chime, Alliant), the right bank can help you keep more of your money every time you need cash.
