ATM Fees: How Much Does My Bank Charge?

Learn about banks with no ATM fees or the cheapest ATM fees.

Sometimes you need cash — to pay back a friend or to have tip money for a night on the town — so you swing by an ATM. Depending on where you bank and what ATMs are nearby, you could end up paying much more than you need to when withdrawing your money. But you could save money on fees if you plan ahead.

Here’s what you need to know to avoid paying too much for ATM fees.

How Much Are ATM Fees?

In a review of 30 banks and their ATM fees, GOBankingRates found that $2.52 is the average fee for using a non-network ATM in the United States without foreign transaction fees. Read on to learn about the banks with the highest and lowest ATM fees, check the table to see what your bank charges and learn how you can avoid ATM fees altogether.

ATM Fees at Major Banks

Capital One ATM fees were the cheapest ATM fees of the banks surveyed as it’s one of the banks that don’t charge any ATM fees for using non-network ATMs. Union Bank, Frost Bank, and Iberia Bank all charged $2 per withdrawal for non-network ATMs in the United States, and all other banks charged at least $2.50. Several banks tied for the highest charge: BB&T, First Tennessee Bank, M&T Bank, PNC Bank, Santander, SunTrust, Huntington National Bank all charged $3 per non-network ATM withdrawal.

More From Your Money
Sponsors of

Many of the major banks charge the same rates. For example, Bank of America ATM fees, Chase ATM fees and Wells Fargo ATM fees are all the same: $2.50 for non-network ATM withdrawals in the U.S. and $5 for non-network ATM withdrawals outside the country. US Bank ATM fees are $2.50 for both U.S. and international ATM withdrawals.

Learn: ATM Withdrawal Limits at Chase, Wells Fargo and 48 Other Banks

ATM Fees at Major Banks
Bank Non-Network ATM Withdrawal Fee Non-Network International ATM Withdrawal*
Bank of America $2.50 $5.00
BB&T $3.00 $5.00
BBVA $3.00 $3.00
BMO Harris $3.00 $3.00
Capital One $0.00 N/A
Chase $2.50 $5.00
Citibank $2.50 N/A
First Tennessee Bank $3.00 $3.00
Comerica Bank $2.50 $5.00
Fifth Third Bank $2.75 $5.00
HSBC Bank $2.50 $2.50
KeyBank $3.00 $5.00
M&T Bank $3.00 Larger of $5.00 or 3%
PNC Bank $3.00 $5.00
Regions Bank $3.00 $5.00
Santander $3.00 $6.00
SunTrust $3.00 $5.00
TD Bank $3.00 $3.00
U.S. Bank $0.00 $2.50
Union Bank $2.00 $5.00
Wells Fargo $2.50 $5.00
Huntington National Bank $3.00 3%
Bank of the West $3.00 $3.00
City National Bank $2.50 $2.50
People’s United Bank $3.00 $3.00
Frost Bank $2.00 $2.00
Synovus Bank $2.50 $2.50
First National Bank of Pennsylvania $2.50 $2.50
Associated Bank $2.00 $2.00
IberiaBank $2.00 $2.00
Information accurate as of Jul. 27, 2020. *Your bank may charge an additional fee if your ATM withdrawal is in a foreign currency or takes place in a foreign country. For example, many banks charge a 3 percent foreign transaction fee.

More From Your Money
Sponsors of

Foreign Transaction Fees

Fees for international ATM withdrawals can be much higher, and banks often tack on additional foreign transaction fees that make foreign ATM withdrawals even more expensive. For example, Santander Bank’s base fee for a foreign ATM withdrawal is $6 — double its fee in the United States — plus you’ll pay an extra 3 percent fee. A $100 ATM withdrawal from Santander in a foreign country could end up costing you $9.

Similarly, with Chase, the fee for foreign ATMs is $5, double its typical $2.50 rate. Plus, if the withdrawal is in a currency other than U.S. dollars, you’ll be charged an additional fee of 3 percent of the withdrawal. Chase International ATM fees could total $5 plus 3 percent of the transaction. Contact your bank ahead of time if you plan to travel abroad to find out about foreign transaction fees that you might have to pay.

Check Out: Guide to Daily ATM Withdrawal and Debit Purchase Limits

More From Your Money
Sponsors of

Which Banks Don’t Charge ATM Fees?

The best way to avoid ATM fees is to plan ahead, including using the internet to search the term “cheapest ATM fees near me” before you visit an ATM and opening accounts at banks with no ATM fees. Always read the fine print and ask questions; banks that do not charge ATM fees might have minimum balance requirements or only reimburse a certain amount of fees each month. For example, USAA, which is an online-only bank, reimburses up to $15 in out-of-network ATM fees per month since it doesn’t offer ATMs of its own. The best option is to find a bank with a network of fee-free ATMs that are easily accessible for you, so that you can save yourself a lot of money.

Up Next: Chime ATM: What ATMs Can I Use With Chime?

Editorial Note: This content is not provided by American Express. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone and have not been endorsed by American Express.

Editorial Note: This content is not provided or commissioned by the bank advertiser. Opinions expressed here are author’s alone, not those of the bank advertiser, and have not been reviewed, approved or otherwise endorsed by the bank advertiser. This site may be compensated through the bank advertiser Affiliate Program.

Related Video

About the Author

Michael Keenan

Michael Keenan is a writer based in the Kansas City area, specializing in personal finance, taxation, and business topics. He has been writing since 2009 and has been published by Quicken, TurboTax and The Motley Fool.

Read More

ATM Fees: How Much Does My Bank Charge?
Close popup livericher_png

We're here to help you Live Richer.

Sign up to receive our daily weekday newsletter with the latest finance and lifestyle content.

Please enter an email.
Please enter a valid email address.
There was an unknown error. Please try again later.

For our full Privacy Policy, click here.