Best Banks With No ATM Fees of 2025

Written by Theresa Stevens | Edited by Rebecca Stropoli | Published on 12/20/2024

No one likes paying fees to access their own money. Banks with no ATM fees make it easy to withdraw cash without extra costs. While some banks provide large networks of fee-free ATMs, other banks offer reimbursements when using out-of-network ATMs. Whether you’re looking for a traditional bank, online bank or credit union with no ATM fees, there are options on this list for you.

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Best banks for avoiding ATM fees

• Capital One 360
• Ally Bank
• Alliant Credit Union
• Axos Bank
• TD Bank
• Charles Schwab Bank
• Navy Federal Credit Union
• LendingClub
• Connexus Credit Union

Capital One 360

With Capital One 360, you get access to more than 70,000 fee-free ATMs at Capital One ATMs, MoneyPass® ATMs and Allpoint® ATMs — many of which are available at popular stores, including Target, CVS and Walgreens. You can easily search for ATMs near you using Capital One’s ATM location finder on its website or in the mobile app. Additionally, Capital One doesn’t charge overdraft fees.

Ally Bank

Ally Bank checking account holders receive access to more than 75,000 fee-free ATMs at Allpoint® and MoneyPass® ATMs. You’ll also receive a $10 reimbursement per statement cycle when you use out-of-network ATMs nationwide. Plus, Ally Bank offers the peace of mind of having no overdraft fees.

Alliant Credit Union

Alliant Credit Union offers a high-yield checking account with a fee-free ATM network of more than 80,000. You will receive $20 a month in ATM fee rebates if you need to use an out-of-network ATM, and rebates are deposited at the end of each day. There are no overdraft fees.

Axos Bank

Axos Bank has around 91,000 fee-free ATMs and offers unlimited domestic ATM fee reimbursement for its Rewards Checking, Cashback Checking and Essential Checking accounts. Axos Bank’s Golden Checking account receives up to $8 in domestic ATM fee reimbursements per month. Axos Bank does not charge overdraft fees.

TD Bank

TD Bank waives out-of-network ATM fees for its TD Complete Checking account, but there’s a catch — you must be a young adult between the ages of 17 and 23. For the TD Beyond Checking account, ATM fees are waived when you maintain a daily balance of $2,500 or more. TD Bank charges a $35 overdraft fee.

Charles Schwab Bank

If you’re looking for a bank with no international ATM fees, Charles Schwab is an option. Charles Schwab Bank Investor Checking™ offers unlimited ATM fee rebates for cash withdrawals both within the United States and internationally. There are also no overdraft fees or foreign transaction fees. Your Schwab checking account is connected to your Schwab brokerage account, so you can do your banking and investing in one place.

Navy Federal Credit Union

Navy Federal Credit Union’s Free Easy Checking account provides ATM fee rebates of $10 per statement period, up to $120 per year. Navy Federal Credit Union also has a Flagship Checking account that offers rebates of up to $120 per year (up to $10 per statement period) when you enroll in direct deposit for your paychecks.

LendingClub

LendingClub does not charge out-of-network fees at domestic ATMs. Its Rewards Checking account offers unlimited ATM fee rebates on fees charged by other banks. ATM fees are rebated at the end of each statement cycle. There are no overdraft fees.

Connexus Credit Union

Connexus Credit Union’s Xtraordinary Checking account provides $25 monthly rebates on ATM surcharges charged by other banks nationwide. With Connexus Credit Union, you will have access to more than 67,000 fee-free ATMs through the CO-OP? and Moneypass™ ATM networks.

How much do banks charge for ATM fees?

ATM fees vary between banks, but generally range from $2.50 to $3 for domestic withdrawals from an ATM that’s not in your bank’s network. International ATM fees tend to be higher. Banks charge ATM fees primarily to cover the costs of maintaining and operating the machines and to bring in additional income. Here’s a list of some banks and their specific ATM fees:

Bank of America

Out-of-network ATM fee: $2.50

International ATM fee: $5

Chase Bank

Out-of-network ATM fee: $3

International ATM fee: $5

Santander Bank

Out-of-network ATM fee: $2.50 to $3, depending on account type

International ATM fee: $6 (Waived in Mexico)

Wells Fargo

Out-of-network ATM fee: $3

International ATM fee: $5

Pros and cons of banks with no ATM fees

Pros:

Save money on cash withdrawals: While ATM fees may seem small, they can add up over time. Having access to fee-free ATMs means you save money whenever you need cash for expenses such as tipping, paying the babysitter or having a meal in a cash-only restaurant.

Offer convenience: Many banks with no ATM fees partner with large networks such as Allpoint® and MoneyPass®, which are located in many popular stores where you may already be doing your everyday shopping.

Reimburse you for international cash withdrawals in some cases: While most banks offer fee-free ATMs only within the states, some banks provide reimbursements when you withdraw cash abroad, helping you save money while traveling.

Cons:

Limited access to branches: Many banks with no ATM fees operate primarily online. This means you may have less access to physical branches and in-person banking services compared to traditional brick-and-mortar banks.

Banks may charge other fees: Even if a bank waives or reimburses ATM charges, you could still face other fees, including overdraft fees, monthly service fees and foreign transaction fees.

Ceilings on fee reimbursements: Some banks place caps on how much they will reimburse for ATM fees. It’s important to understand these limits to avoid unexpected costs.

Which banks reimburse ATM fees?

Some banks reimburse you for out-of-network ATM fees, but the amount and frequency vary. Here are some banks that reimburse ATM fees you pay at out-of-network ATMs:

How can you avoid ATM fees?

Aside from switching to a bank or credit union that doesn’t charge ATM fees, here are some other strategies to help you avoid or minimize the costs of withdrawing cash:

• Only use ATMs in your bank’s network: One way to avoid fees without having to switch banks is to stick to ATMs within your bank’s network. You can find a list of your bank’s in-network ATMs on its website or mobile app.
• Get cash back at a store: Instead of visiting an ATM, you can get cash back when using a debit card at many different retailers, including supermarkets, drug stores and gas stations. This can be beneficial if you don’t have an in-network ATM near you.
• Use payment apps: Many transactions that used to require cash, such as tipping your hairstylist or delivery driver, can now be done digitally with apps such as Venmo and Zelle.
• Take cash out before taking a trip: Many banks don’t offer fee-free ATMs abroad, but even if they do they can be hard to find while traveling. To save yourself the hassle of searching for the right ATM abroad or dealing with fee reimbursement, you may want to consider withdrawing cash before traveling.

Methodology for ranking best banks

When evaluating and selecting the best banks for no ATM fees, we considered the following factors:

• Access to fee-free ATMs
• Size of ATM network
• Reimbursements for out-of-network ATM withdrawals
• Reimbursements for international ATM withdrawals
• Ease of finding ATMs on the bank’s website or mobile app
• Reimbursement caps
• Customer service and overall reputation