Does a bank charge a fee to use an 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.

Where can I find a free ATM?

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. Another option for surcharge-free ATMs is to use one that is in your bank or credit union’s card network.

How do I avoid ATM fees?

Stay within your bank’s network. Use your bank’s website or mobile app to locate ATMs within your bank’s network. Get a checking account that waives ATM withdrawal fees. Always be aware of what fees your bank charges for ATM withdrawals. If all else fails, carry some cash and avoid ATMs altogether.

What if I see a fee on my ATM screen?

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.