ATM fees can quietly drain your money if you are not paying attention. This guide explains how ATM fees work, which charges you can avoid, and the smartest ways to access cash without paying unnecessary fees. If you want to reduce other money-access costs, see how check cashing fees work.
For a complete overview of cash access options, including small bills and coins, visit our ATM and cash access guide.
Why ATM Fees Keep Increasing
ATM operators charge fees to cover machine maintenance, cash handling, security, and network costs. Banks may then add their own out-of-network fees on top of the ATM surcharge. Together, these charges make cash withdrawals more expensive than many people expect.
Common ATM Fees You Can Avoid
Surcharge fees
This fee is charged by the ATM owner and is shown on the screen before you complete the withdrawal.
Out-of-network bank fees
Your bank may charge an additional fee for using an ATM outside its network. This charge often appears later on your statement.
International ATM fees
International withdrawals may include foreign ATM fees and currency conversion fees.
Balance inquiry fees
Some ATMs charge a fee just to check your balance. Use your bank app or online banking instead.
Smart Ways to Avoid ATM Fees
Use your bank’s ATM locator
Your bank app can show nearby fee-free ATMs, helping you avoid both surcharges and out-of-network fees.
Use partner ATM networks
Many banks participate in large ATM networks such as Allpoint or MoneyPass that allow free withdrawals.
Get cash back at stores
Grocery stores and pharmacies often offer cash back with debit purchases at no extra cost. If you need smaller denominations, see which ATMs give small bills.
Withdraw larger amounts less often
If you cannot avoid fees entirely, withdrawing larger amounts less frequently reduces how much you pay over time.
Use digital payments when possible
Mobile wallets and contactless payments reduce the need for cash and help you avoid ATMs altogether.
Choose accounts that reimburse ATM fees
Some banks and credit unions reimburse ATM fees each month, depending on your account type.
Hidden ATM Fee Traps Most People Miss
- Balance inquiries at out-of-network ATMs
- Declined withdrawals due to incorrect PINs or limits
- Using prepaid debit cards at non-partner ATMs
Low-Fee Alternatives to ATMs
- Cash back at grocery stores
- Fee-free ATM networks
- Credit unions with shared branching
- Banks that reimburse ATM fees
- Retail cash access services
If you need cash from a check instead of an ATM, see alternative check cashing methods or the full check cashing guide.
Is It Ever Worth Paying an ATM Fee?
In emergencies or areas with limited access, paying a small ATM fee may be reasonable. However, if fees are a regular expense, switching banks or using alternative cash access methods can save money long term.
Frequently Asked Questions
What is the easiest way to avoid ATM fees?
Use your bank’s ATM locator or request cash back at stores.
Why do some ATMs charge higher fees?
ATMs in airports, hotels, and tourist areas often charge higher surcharges due to convenience and demand.
Can I get cash without using an ATM?
Yes. Cash back at stores and retail cash services are common alternatives.
Conclusion
Avoiding ATM fees is easier than most people think. By using fee-free networks, getting cash back at stores, and choosing the right accounts, you can stop paying unnecessary charges and keep more of your money.