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Sometimes it’s easier to use the nearest ATM instead of your bank – but this convenience may come with a fee. Good news? Some banks make it easy to avoid these. Here are the nine best banks with no ATM fees.
Banks with No ATM Fees: At a Glance
| Edge | free atm network | payment | Minimum balance required |
|---|---|---|---|
| Loyalty | Yes | unlimited | nobody |
| charles schwab | Yes | unlimited | nobody |
| associate bank | Yes | Up to $10 reimbursement for out-of-network ATMs | nobody |
| everbank | Yes | Monthly reimbursement up to $15 – unlimited if balance is $5,000 or more | No minimum balance, but $25 minimum deposit required |
| axos bank | Yes | Unlimited Domestic Reimbursement | nobody |
| Alliant CU | Yes | Monthly reimbursement up to $20 | $25 initial deposit required |
| Lending Club Bank | Yes | unlimited surcharge waiver | no minimum balance |
| City® | Yes | Citigold® account waives all non-Citi fees | $200,000 |
| first internet bank | Yes | Up to $10 per month | $0 to $500 depending on account |
Loyalty
- ATM Network Size: Access to over one million ATMs worldwide
- Reimbursement Policy and Limitations: Unlimited reimbursement of ATM charges charged by other institutions
- Requirements: Must have a Fidelity Cash Management account or eligible youth account and a debit card issued under a specified account type
- Best for: Digital-savvy users who want fee flexibility and global reach
charles schwab
- ATM Network Size: Worldwide – access to one million ATMs
- Reimbursement Policy and Limitations: Unlimited reimbursement of ATM charges charged by other institutions
- Requirements: Must have a Charles Schwab Bank Investor Checking account linked to a Schwab One brokerage account
- Best for: who like to travel
associate bank
- ATM Network Size: More than 75,000 ATMs
- Reimbursement Policy and Limitations: Up to $10 in out-of-network ATM fee reimbursement per statement cycle
- Requirements: Must have an affiliate checking or money market account
- Best for: Users who prefer online banking experience without physical access to branches
everbank
- ATM Network Size: More than 80,000 ATMs
- Reimbursement Policy and Limitations: $15 monthly reimbursement, unlimited with balance $5,000 or more
- Requirements: Must have an EverBank checking or money market account
- Best for: Mid-level savers who sometimes go out of the network
axos bank
- ATM Network Size: More than 91,000 ATMs
- Reimbursement Policy and Limitations: Unlimited Household Replenishment with Instant 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: More than 80,000 ATMs
- Reimbursement Policy and Limitations: Refund up to $20 per month
- Requirements: Must have a checking or high-rate checking account
- Best for: Credit union members who love to travel
Lending Club Bank
- ATM Network Size: Over 37,000 MoneyPass or SUM ATMs
- Reimbursement Policy and Limitations: Unlimited ATM Surcharge Waiver
- Requirements: Must have a level up checking account or similar account
- Best for: Frequent ATM users who want flexibility
City®
- ATM Network Size: More than 70,000 ATMs in the US and abroad
- Reimbursement Policy and Limitations: Unlimited out-of-network fee reimbursement for Citigold® and Citigold® Private Client tier customers
- Requirements: Eligible checking account in Citigold® and Citigold® Private Client with high balance limits – at least $200,000+ in combined assets
- Best for: High-balance or premium banking customers
first internet bank
- ATM Network Size: More than 55,000 ATMs
- Reimbursement Policy and Limitations: 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 Without 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 travel frequently, domestically and internationally, you’ll want a bank that has national and international access with no fees.
- Do you want a branch, or are you okay with digital only? If visiting a branch is not important to you and you prefer 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 preferred method of payment, look for a bank that offers a blended approach to banking with a medium to large network of individual branches and ATMs.
- Will you maintain a high balance to receive full reimbursement? If you carry a high balance, you’ll likely get reimbursed for your fees. If you don’t, you may want to find a bank that doesn’t require a minimum balance to reimburse ATM fees.
How to Avoid ATM Charges of Any Bank
There are several ways to avoid ATM fees at banks:
- Use your bank’s ATM: Check the ATMs that are near you on your bank’s website.
- Choose a bank that reimburses: Some banks will reimburse your ATM fees. Ally and Charles Schwab are some of the banks considering this facility.
- Use the cash-back option: You can get cashback at stores using your debit card. There is usually no fee to get cash back this way.
- Bank with financial institutions having large ATM network: Before signing up for a checking account, ask the bank about their ATM access.
Why do some banks still charge ATM fees?
ATM fees are charged to consumers because banks need to make money and cover ATM maintenance costs. Traditional banks often have small ATM networks, so using an out-of-network machine may incur a fee – an average of $4.73. In contrast, many online banks reimburse these fees to remain competitive and pass the cost savings on to customers.
GOBankingRates methodology: how the best no-fee banks were chosen
To determine the best banks with no ATM fees, GOBankingRates reviewed several banks and credit unions based on the following criteria:
- Nationwide and International ATM Access
- Clarify Reimbursement Terms
- Monthly Cap and Balance Requirements
- app tool for atm location
- Overall Banking Experience and User Satisfaction
Banks with No ATM Fees FAQs
Still have questions about avoiding ATM fees? Here are answers to some of the most common questions.- Can I get reimbursed for ATM fees internationally?
- Yes, some banks offer reimbursement of international ATM fees. Those banks include Fidelity, Charles Schwab and Ally Bank.
- Are there any banks that never charge ATM fees?
- Yes, some banks never charge ATM fees. Charles Schwab and Fidelity should be considered.
- 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 fees?
- You can usually withdraw money from your bank’s ATMs, partner network ATMs, and fee-free ATMs without any fees.
Terrence Loose contributed reporting to this article.
Editorial note: This content is not provided by any of the entities involved in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are solely those of the author 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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