Which ATM Does Not Charge a Fee?

Discovering ATM Networks That Don’t Charge a Fee

In today’s fast-paced world, automated teller machines (ATMs) have become integral to our daily lives. Whether we need to withdraw cash or check our account balances, ATMs provide convenience and accessibility. However, one common frustration among users is the fees associated with ATM transactions. In this article, we’ll explore various ATM networks and identify those that do not charge a fee, allowing you to make informed decisions and avoid unnecessary charges.

In-Network ATMs

Many banks and credit unions have established their ATM networks, often called “in-network” ATMs. You can usually avoid withdrawal fees when you use an ATM within your bank’s network. Most major banks have extensive networks, allowing customers to access cash without additional charges. You must check with your bank for a list of in-network ATMs or use their mobile app to locate nearby fee-free ATMs.

Related: Discover Fee-Free ATMs for KeyBank

Credit Union Networks

Credit unions are known for their customer-centric approach and often provide their members with access to surcharge-free ATMs. Credit union networks, such as the CO-OP Network or Allpoint Network, allow members to withdraw cash without incurring fees. These networks typically have a widespread presence, with ATMs in various retail locations nationwide. Being a credit union member can be advantageous as you gain access to a broader ATM network and avoid additional charges.

Online Banks

Online banks, also known as digital banks or neo banks, have gained popularity in recent years due to their convenience and competitive offerings. While online banks typically lack physical branch locations, they often compensate by offering fee-free ATM access. Many online banks partner with ATM networks or reimburse their customers for out-of-network ATM fees, providing greater flexibility and convenience—research online banks to find out which offer free ATM access or reimbursements.

Related: Find a Free ATM for Venmo Transactions

Supermarket and Retail Store Networks

Certain supermarkets and retail chains offer their customers access to fee-free ATMs within their establishments. Stores like Walmart, Costco, and Target often have ATMs that don’t charge withdrawal fees for their customers. These ATMs are handy for shoppers who need quick access to cash while running errands. Remember that while the ATM may not charge a fee, your bank might still apply its fees for out-of-network transactions.

Community Banks and Local Credit Unions

Community banks and local credit unions often prioritize building customer relationships and providing personalized service. Some community banks and credit unions have partnerships with neighboring financial institutions, allowing their customers to use each other’s ATMs without incurring additional charges. If you prefer a more localized banking experience, consider exploring community banks and local credit unions to benefit from their fee-free ATM offerings.


Navigating the world of ATMs can be daunting, especially with the potential fees of each transaction. However, leveraging various ATM networks allows you to avoid unnecessary charges and find fee-free options that suit your banking needs. Whether it’s utilizing in-network ATMs, credit union networks, online banks, supermarket and retail store networks, or community banks and local credit unions, take the time to research and discover the options that provide fee-free ATM access. Always check with your financial institution for specific details on their ATM policies and available networks. With this knowledge, you can confidently manage your finances while keeping more of your hard-earned money in your pocket.