How Can You Find Surcharge-Free ATMs? (2024)

How can you find free ATMs to use for cash withdrawals? People pay by card more often and they don’t carry cash, they need to use ATMs more frequently to withdraw cash when they need it. Excessive ATM withdrawal fees can add up quickly, but sometimes your bank’s free ATM is not readily available. Thankfully, there are several fee-free ATM options to help you access your money without getting charged each time you need cash.

What Is A Surcharge-Free ATM?

A surcharge-free ATM does not assess transaction fees for withdrawals. If you one to withdraw cash, you won’t have to worry about the ATM owner withholding a portion of your funds to cover the fee. This guide dives a bit more into ATM surcharges and how they work, along with a few key benefits of ATM banking.

ATM Banking Benefits

There are some key advantages to ATM banking.

Fast Cash Access

You can get access to cash right away without having to visit a brick-and-mortar location. However, be mindful that financial institutions set daily limits on the maximum amount you can withdraw.

More Locations Than Bank Branches

There are far more ATMs than brick-and-mortar banks available nationwide. In fact, Allpoint has more than 55,000 surcharge-free ATMs throughout the U.S.

24/7 Access

ATMs in most locations are accessible 24/7. So, you won’t have to panic or borrow funds from friends or relatives if you encounter an unexpected financial emergency or just need fast cash.

ATM Transaction Fees Vs. ATM Surcharges

Some ATM owners assess surcharge fees. You can also be subject to a transaction fee from your financial institution for making ATM withdrawals at out-of-network ATMs.

What Is The Average ATM Fee?

According to Bankrate, on average, consumers pay $4.59 to use out-of-network machines. This figure comprises two components – the out-of-network fee of $1.51 charged by the bank or credit union and the ATM surcharge of $3.08 charged by the owner of the ATM.

How Can You Find ATMs Near Me That Are Free of Charge?

To be able to tell which ATMs will charge you for withdrawing cash, you’ll need to identify which ATMs are the same as your bank, which ones are part of interbank networks, and which ones have the STAR logo or another ATM network logo that includes your bank. The easiest and most desirable option, of course, is to use your bank account’s ATM because it will be free of surcharges. If that’s not available, many people find it easier to use the closest ATM to withdraw cash rather than to scout for surcharge-free ATMs that are within the network. Your bank’s website or mobile app can help you find their free ATMs using the ATM locator (a.k.a. the “ATM near me” feature), or by calling customer service.

No-Fee ATM Networks

Another option for surcharge-free ATMs is to use one that is in your bank or credit union’s card network. Much like finding your bank’s ATM, you can use the ATM locator tool or call your bank for help in finding a nearby surcharge-free ATM within your financial institution’s network. You can also look on the back of your debit card to see if the network logo is printed there and then find an ATM that displays the same logo. The list of Free ATM Networks are:

  • STAR Network: They have more than 2 million STAR ATM locations. Customers can use the locating tool from Star Network to look for one of their ATMs.
  • CO-OP ATM: They have more than 30,000 ATM networks for members of credit unions without paying a surcharge. The CO-OP ATM Network is also available in 7-Eleven, most supermarkets, and credit union branches all over the U.S. Additionally, credit unions in the CO-OP network may allow you to walk into another credit union branch and work with a teller through a “shared branching” option. Contact your credit union for more details.
  • PULSE: This ATM network has over 380,000 ATMs in the U.S that can be found by PULSE ATM Locator.
  • MoneyPass ATM: with over 25,000 surcharge-free ATMs. Customers can open www.moneypass.com/atm-locator to find the ATM location.
  • PLUS Alliance Network: PLUS is a visa card alliance with 1 million ATMs throughout 170 countries. ATM Networks are available in Target, Costco, Walgreens, CVS, Bi-Lo, and Getgo.
  • Allpoint and Transfund: These are two of the largest ATM networks in the country, with over 56,000 ATMs between them across the United States, Canada, Mexico, Puerto Rico, Australia, and the United Kingdom. The ATM machine is located in many stores, including Costco, Target, CVS, RiteAid, and Walgreens
  • SUM logo: People who hold cards with the bright red SUM logo don’t pay a withdrawal surcharge at the ATM. It offers surcharge-free access to ATMs in the United States.

If you do use an ATM that’s not at your bank or within your bank’s network, you may be subject to charges from both institutions (your bank and the bank or network associated with the ATM you’re using). That’s why it’s best to ask your bank about their policy regarding ATM fees. Keep in mind that we are strictly talking about using your debit card to withdraw money. If you use your credit card to withdraw money, that will be considered a cash advance on your credit card and will incur interest, so it’s best to never do that unless it’s an absolute emergency. When using an ATM, it is also important to protect yourself against identity theft.

How To Avoid ATM Fees

Avoid fees can be costly, but there are ways to keep the withdrawal fees to a minimum:

  • Only use your bank or credit union’s ATMs to steer clear of surcharges and transaction fees.
  • Ask your financial institution if they offer refunds on surcharge fees if you use an out-of-network ATM.
  • If you’re unsure which banks you can use without incurring fees, be sure to inquire.

If you’re not happy with your current bank’s ATM fee structure, you can find banks that are part of a large fee-free ATM network or compare their ATM surcharge fees for withdrawing money at other banks or out-of-network ATMs. Many online banks don’t charge ATM fees since their overhead is lower than brick-and-mortar banks.

How to Find Fee-Free ATMs

Many banks and credit unions have ATMs at their physical location you can use to withdraw funds without incurring fees. But what happens when you’re on the go and need cash but can’t find a branch nearby?

That’s where an online platform and mobile app, like Current, comes in to save the day. Current is a financial technology company that provides banking services through Choice Financial Group, Member FDIC. It offers fee-free withdrawals at over 40,000 in-network Allpoint ATMs in the U.S. to its members, so you’ll never have to worry about surcharge fees and transaction fees again. You can sign up for an account in less than 2 minutes to get started. Beyond fee-free ATMs, you’ll enjoy several benefits, like fee-free mobile money management, faster direct deposit, cashback rewards and overdraft protection. Plus, you’ll earn up to a 4.00 percent bonus on your savings. Visit Current’s website to download the mobile app and open your account today! It’s available on Google Play and the AppStore.

Another way to save on ATM fees is to simply budget and plan ahead for your financial needs each day, week, or month and reduce the number of times you need to use an ATM. This is useful since most banks and credit unions have a daily limit on how much you can withdraw from an ATM and going beyond that requires you to visit a bank teller in person to withdraw funds. Still, some consumers often make purchases with their debit cards and use the cash-back option, if provided—another great way to avoid ATM fees. Most grocery stores, drugstores, and larger stores such as Target offer this option. Conversely, you can load your debit card account with enough money to cover using the debit card for straight purchases and bypass visiting an ATM for cash altogether. Another option is to use your mobile wallet (e.g., Apply Pay or Samsung Pay) for purchases, rather than withdrawing money from an ATM.

In rare instances, you may use an ATM that is clearly within your network and be surprised to find a notice on the screen stating that you will incur a fee or surcharge. If this happens, contact your bank to report this error and have the fee reimbursed. Banks may not have control over an independent ATM machine, and your bank should be alerted to the situation. Additionally, find out if your bank offers ATM fee rebates for any fees that ATM owners add to your withdrawals.

While ATM fees may occur, it is easier than you think to find ways to avoid them and find a free ATM if you’re willing to do a little research, talk to your bank or credit union, or find alternatives to withdrawing money at all and go straight to purchasing with your debit card.

How Can You Find Surcharge-Free ATMs? (2024)

FAQs

How to find an ATM with no fees? ›

The easiest way to find a no-fee ATM near you is to check the website or mobile app of the bank or financial institution to which you belong. Most financial institutions will have a map or list or ATMs that you can search by inputting a ZIP code or sharing your location.

What is the largest surcharge free ATM network? ›

NCR Atleos' Allpoint is the largest surcharge-free ATM network worldwide with over 55,000 ATMs in leading national and regional merchant locations across the United States, Canada, United Kingdom, Puerto Rico, Australia and Mexico.

What does surcharge free ATM mean? ›

A surcharge-free ATM does not assess transaction fees for withdrawals. If you one to withdraw cash, you won't have to worry about the ATM owner withholding a portion of your funds to cover the fee. This guide dives a bit more into ATM surcharges and how they work, along with a few key benefits of ATM banking.

What ATM machine does not charge a fee? ›

Allpoint is a network of over 55,000 ATMs worldwide that provide surcharge-free cash access for participating banks, credit unions and prepaid card providers.

How do you know if some ATM machines charge for their services? ›

First, your bank will charge you a surcharge for using a non-network machine. Second, the ATM operator will also charge a small fee. You'll typically see this fee pop up on the ATM before you complete your transaction.

What ATM can I use my credit karma debit card? ›

The Credit Karma Visa® Debit Card gives you access to 55,000 surcharge free ATMs in the Allpoint network, including ATMs at popular retailors like CVS, Walgreens, Kroger, and Target. Find them by downloading the Allpoint app or visiting www.allpointnetwork.com.

What ATMs are free for rapid pay cards? ›

Get cash quick in any state – without a surcharge

The rapid! PayCard® is currently a member of the Allpoint ATM network, which provides our cardholders with unlimited, surcharge-free ATM access at more than 55,000 locations worldwide.

Which bank provides unlimited free ATM transactions? ›

IndusInd Bank and IDBI Bank offer unlimited free ATM transactions to its customers. Is it possible to withdraw cash at an ATM from a different bank?

How to withdraw cash without fees? ›

  1. See if cards or digital wallets are accepted. ...
  2. Find an ATM in your bank's network. ...
  3. Get cash back at a store checkout counter. ...
  4. Choose a bank or credit union that reimburses ATM fees or has a larger network.
May 14, 2024

How can you avoid bank surcharges? ›

Here are some proven tips:
  1. Utilize free checking and savings accounts. Many banks still offer them.
  2. Sign up for direct deposit. ...
  3. Keep a minimum balance. ...
  4. Keep multiple accounts at your bank. ...
  5. Use only your bank's ATMs. ...
  6. Don't spend more money than you have. ...
  7. Sign Up for Email or Text Alerts.

How can I avoid card surcharge? ›

How To Avoid The Highest Card Charges
  1. Paying with cash (provided you're not paying ATM fees to withdraw your cash)
  2. Choosing to insert or swipe your card to access the eftpos network, rather than tap-and-go or using a digital wallet like Apple Pay or Google Pay.
  3. Prioritising businesses that don't charge card surcharges.
Apr 16, 2024

What bank has the most fee free ATMs? ›

Best Banks for Avoiding ATM Fees of 2024
  • Axos Bank: Best online bank for avoiding domestic ATM fees.
  • Connexus Credit Union: Best credit union for avoiding domestic ATM fees.
  • Chase Bank: Best national bank for avoiding domestic ATM fees.
  • Charles Schwab: Best institution for avoiding international ATM fees.
May 29, 2024

How do I know if an ATM is Allpoint? ›

Get Cash.

Look for the green Allpoint logo on ATMs at participating locations.

Is Walgreens ATM free for Cash App? ›

No, Walgreens ATM is not free for Cash App. When using a Walgreens ATM with your Cash App, you will incur the $2.50 fee charged by Cash App, and there may be an additional fee imposed by the ATM operator.

How do I find an ATM that doesn't charge? ›

Check to see if your financial institution has a deal with a surcharge-free ATM network. Some financial institutions have deals with no-fee ATM networks that allow their customers to use the ATMs without incurring fees. Find out if your bank or credit union gives you access by contacting your financial institution.

What is the average ATM surcharge fee? ›

A Bankrate study found that the average ATM fee hit an all-time high in 2023 at $4.73. This total is made up of an average $3.15 surcharge that's levied by the ATM owner plus an average of $1.58 that's charged by one's bank for using an out-of-network ATM.

How to avoid transaction fees? ›

How to Avoid International Transaction Fees
  1. Open a Credit Card Without a Foreign Transaction Fee. ...
  2. Open a Bank Account Without a Foreign Transaction Fee. ...
  3. Exchange Currency Before Traveling. ...
  4. Avoid Foreign ATMs. ...
  5. Ask Your Bank About Foreign Partners.

What is Credit Karma daily withdrawal limit? ›

You may not exceed $10,000.00 in daily transaction activity nor $50,000.00 in monthly transaction activity.

Where can I withdraw money from my debit card for free? ›

“The ATMs that belong to your financial institution (bank or credit union) will generally offer free withdrawals.” If you want to get cash without paying an ATM fee, leverage your bank's ATM locator.

How much does Credit Karma charge for ATM withdrawal? ›

No fees at over 55,000 ATM locations nationwide.

Plus with direct deposit, get access to your funds in as little as 1 business day when you transfer into your account.

How can you avoid an ATM machine fee? ›

Ways to avoid ATM fees
  1. Get cash back. When you check out at a grocery store or other retailer, you'll typically have the option to get cash back with the purchase. ...
  2. Find in-network ATMs. ...
  3. Go digital with a payment app. ...
  4. Withdraw larger sums, less frequently. ...
  5. Open an account that reimburses fees.
Nov 2, 2023

Do any banks have no ATM fees? ›

Certain banks and credit unions—especially online banks—offer checking accounts with no ATM fees (including no fees for ATM usage or ATM reimbursem*nts). Some of our top-rated accounts are provided by Axos Bank, Needham Bank, LendingClub, and Alliant Credit Union.

Can I withdraw money from ATM without charges? ›

Banks levy the charge on cash and non-cash ATM transactions if a user goes beyond the free monthly limits. In case, the free monthly ATM withdrawal limit exceeds, one will have to pay a tax of an additional ₹21 on each transaction.

Can you use any ATM machine with any bank without paying a fee? ›

If you need an ATM and can only find one independently owned, or affiliated with a different bank, you'll likely rack up some fees. Out-of-network fee: If you use an ATM independently operated or owned by another bank, your own bank may charge you for using this ATM.

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