ATMs That Don’t Charge Fees

Learn how to minimize or eliminate ATM fees.

Carrying large sums of cash isn’t something most people do these days, which makes using an ATM a regular need for many people — and anyone who withdraws from ATMs regularly knows that ATM fees can add up quickly if you don’t use in-network ATMs.

Thankfully, several fee-free ATM networks have been created to help you access your money without getting nickeled and dimed each time you need cash. Here’s what you need to know about these networks so you can save money on ATM transactions.

Fee-Free ATM Networks

Several companies have created ATM networks with bank and credit union partners around the country and, in some cases, around the world. Here’s a list of free ATM networks:

  • CO-OP ATM: The CO-OP ATM network includes over 30,000 ATMs across all 50 states and in 10 countries around the world. You can find machines in stores such as 7-Eleven, Rite-Aid and Dunkin’ Donuts or use the CO-OP ATM locator. CO-OP ATMs are surcharge-free for members of credit unions who are part of the CO-OP network.
  • Star Network: Star is one of the nation’s largest full-service debit networks, with over two million PIN and Star ATM locations around the country. Use the Star Network’s locating tool to find surcharge-free ATMs.
  • Allpoint ATM: Allpoint has over 55,000 surcharge-free ATMs in the U.S., Canada, Puerto Rico, Mexico, Australia and the United Kingdom. Machines are located in stores including Target, Costco, Walgreens and CVS. You can check if your debit card has access to the Allpoint network on Allpoint’s website.
  • PULSE: The PULSE network has over 23,000 ATMs across the United States and serves over 60 million cardholders. You can find PULSE machines in stores like Walgreens. Use the PULSE ATM locator to find an ATM near you.
  • MoneyPass ATM: MoneyPass has over 25,000 no-fee ATMs around the country, Over 1,600 organizations and 90 million cardholders are part of the network. Find a MoneyPass ATM by using the locator.
  • AllianceOne: AllianceOne has over 5,000 ATMs in 42 states, not including D.C. and Puerto Rico, and partners with over 700 financial institutions. Find an AllianceOne ATM near you.
  • TransFund: TransFund operates in 14 states for over two million cardholders. You’ll find machines in stores like 7-Eleven and QuikTrip as well as other locations. Use Transfund’s locating tool to find surcharge-free ATMs near you.

Find Out: How to Make ATM Deposits to Your Bank Account

Banks that Reimburse ATM Fees

To avoid ATM fees, look for a bank that is a member of one of the fee-free ATM networks or that reimburses ATM fees. For example, Schwab’s High Yield Investor Checking reimburses all ATM fees at the end of each month. Another option is Ally, which allows you to use any Allpoint ATM in the U.S. for free, plus it will reimburse up to $10 in fees per statement cycle charged by other ATMs. EverBank doesn’t charge any ATM fees itself, and it will reimburse all fees charged by other U.S. ATMs as long as you maintain a $5,000 account balance. Members of USAA receive the first 10 ATM transactions free, and USAA will refund up to $15 of fees per month. Many credit unions are members of the CO-OP Network, and if so, you have access to a wide network of credit union ATMs.

Tips for Minimizing ATM Fees

To minimize ATM fees, familiarize yourself with the rules for your debit card, including how to use its ATM finder and which fees are waived or reimbursed. Use the ATM locator offered by your bank to find surcharge-free ATMs near you — or wherever you are traveling — so that you can avoid fees. And when you know you’re going to need money, consider getting cash back from your debit card when you make purchases via a point-of-sale machine at a store.

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