Can I get ATM fees reimbursed internationally?

Yes, some banks offer reimbursements for international ATM fees. Those banks include Fidelity, Charles Schwab and Ally Bank.

Is there a bank that never charges ATM fees?

Yes, some banks never charge ATM fees. Some to consider are Charles Schwab and Fidelity.

Do online banks have better ATM access?

Yes. Many online banks partner with large ATM networks to provide nationwide coverage.

Where can I withdraw money from an ATM without a fee?

You can typically withdraw money without a fee from your bank's ATM, partner network ATMs and fee-free ATMs.

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9 Best Banks With No ATM Fees for 2025

July 24, 2025

6 min Read

Written by Rudri Patel

Edited by Elizabeth Constantineau

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Sometimes it’s easier to use the closest ATM instead of your bank’s — but that convenience can come with fees. The good news? Some banks make it easy to avoid them. Here are nine of the best banks with no ATM fees.

Banks With No ATM Fees: At a Glance

Bank	Free ATM Network	Reimbursement	Minimum Balance Required
Fidelity	Yes	Unlimited	None
Charles Schwab	Yes	Unlimited	None
Ally Bank	Yes	Up to $10 of reimbursements for out-of-network ATMs	None
EverBank	Yes	Up to $15 of reimbursements monthly — unlimited if balance is $5,000 or more	No minimum balance, but $25 minimum deposit required
Axos Bank	Yes	Unlimited domestic reimbursement for certain checking accounts	None
Alliant CU	Yes	Up to $20 of reimbursements monthly	$25 opening deposit required
Lending Club Bank	Yes	Unlimited surcharge rebates	No minimum balance
Citi®	Yes	Citigold® account waives all non-Citi fees	$200,000
First Internet Bank	Yes	Up to $10 per month	$0 to $500, depending on the account

Fidelity

ATM network size: Access to over one million ATMs worldwide
Reimbursement policy and limits: Unlimited reimbursements of ATM fees charged by other institutions
Requirements: Must have a Fidelity Cash Management account or eligible youth account and have a debit card issued under a designated account type
Best for: Digital-savvy users who want fee flexibility and global access

Charles Schwab

ATM network size: Worldwide — likely access to a million ATMs
Reimbursement policy and limits: Unlimited reimbursements of ATM fees charged by other institutions
Requirements: Must have a Charles Schwab Bank Investor checking account that is connected to a Schwab One brokerage account
Best for: Those who like to travel

Ally Bank

ATM network size: Over 75,000 ATMs
Reimbursement policy and limits: Up to $10 in out-of-network ATM fee reimbursements per statement cycle
Requirements: Must have an Ally checking or money market account
Best for: Users who prefer an online banking experience without physical access to branches

EverBank

ATM network size: More than 80,000 ATMs
Reimbursement policy and limits: $15 monthly reimbursement, unlimited with a $5,000 or more balance
Requirements: Must have an EverBank checking or money market account
Best for: Mid-level savers who occasionally go out-of-network

Axos Bank

ATM network size: Over 91,000 ATMs
Reimbursement policy and limits: Unlimited domestic reimbursements with Rewards, CashBack and Accelerated checking accounts; $8 monthly limit with Golden checking account
Requirements: Must open an eligible Axos checking account
Best for: Tech-forward customers who value ATM access

Alliant Credit Union

ATM network size: Over 80,000 ATMs
Reimbursement policy and limits: Refunds up to $20 per month
Requirements: Must have checking or a high-rate checking account
Best for: Credit union members who like to travel

Lending Club Bank

ATM network size: Over 37,000 MoneyPass or SUM ATMs
Reimbursement policy and limits: Unlimited ATM surcharge rebates
Requirements: Must have a Level Up checking account or similar account
Best for: Frequent ATM users who want flexibility

Citi®

ATM network size: Over 70,000 ATMs in the U.S. and abroad
Reimbursement policy and limits: Unlimited out-of-network fee reimbursement for customers in the Citigold® and Citigold® Private Client tier
Requirements: Eligible checking account in Citigold® and Citigold® Private Client with high balance threshold — at least $200,000+ in combined assets
Best for: High-balance or premium banking customers

First Internet Bank

ATM network size: Over 55,000 ATMs
Reimbursement policy and limits: Up to $10 per month
Requirements: Must have an interest checking, money market or savings account
Best for: Casual ATM users who want some surcharge relief

How To Choose the Right Bank With No ATM Fees

Think about how you would answer the following questions when evaluating which bank comes out on top:

Do you need nationwide or global ATM access? If you’re a frequent domestic and international traveler, you may want a bank that has national and international access without incurring fees.
Do you want a branch, or are you okay with digital-only? If going into a branch isn’t important to you and you love banking on the go, you may want to choose a digital-only bank for convenience.
How often do you withdraw cash? If cash isn’t your chosen method of payment, then look for a bank that offers a hybrid approach to banking, with in-person branches and a mid-to-large network of ATMs.
Will you maintain a high balance to get full reimbursements? If you keep high balances, then you will likely get reimbursed for your fees. If you don’t, then you may want to find a bank that doesn’t require minimum balances to get refunded for ATM fees.

How To Avoid ATM Fees at Any Bank

There are several ways to avoid ATM fees at banks:

Use your bank’s ATM: Check your bank’s website for ATMs that are near you.
Choose a bank that reimburses: Some banks will reimburse your ATM fees. Ally and Charles Schwab are some banks to consider for this feature.
Use the cash-back option: You can get cash back at stores using your debit card. There is typically no charge to get cash back in this manner.
Bank with financial institutions with a large ATM network: Before signing up for a checking account, ask the bank about their ATM accessibility.

Why Do Some Banks Still Charge ATM Fees?

Consumers are charged ATM fees because banks need to make money and cover ATM maintenance costs. Traditional banks often have smaller ATM networks, so using an out-of-network machine can trigger a fee — averaging $4.73. In contrast, many online banks reimburse these fees to stay competitive and pass on cost savings to customers.

GOBankingRates Methodology: How the Best No-Fee Banks Were Picked

To determine the best banks with no ATM fees, GOBankingRates reviewed multiple banks and credit unions based on the following criteria:

Nationwide and international ATM access
Clear reimbursement terms
Monthly caps and balance requirements
App tools for ATM location
Overall banking experience and user satisfaction

Banks With No ATM Fees FAQ

Still have questions about avoiding ATM fees? Here are answers to some of the most common ones.

Can I get ATM fees reimbursed internationally?
- Yes, some banks offer reimbursements for international ATM fees. Those banks include Fidelity, Charles Schwab and Ally Bank.
Is there a bank that never charges ATM fees?
- Yes, some banks never charge ATM fees. Some to consider are Charles Schwab and Fidelity.
Do online banks have better ATM access?
- Yes. Many online banks partner with large ATM networks to provide nationwide coverage.
Where can I withdraw money from an ATM without a fee?
- You can typically withdraw money without a fee from your bank's ATM, partner network ATMs and fee-free ATMs.

Terence Loose contributed to the reporting for this article.

Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.

Data is accurate as of July 24, 2025, and is subject to change.

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