Best Banks to Avoid ATM Fees

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

Want to save some money each time you use the ATM? Think about changing your bank.

If you use out-of-network ATMs even a couple times a month, you could find yourself paying more than $60 per year in ATM fees from your bank and the ATMs’ owners. But not all banks charge for easy access to your cash — and some even reimburse you for ATM owner fees.

Check out our list of banks that will help you avoid ATM fees, and then scroll down for more details about these options.

Best banks for free ATMs

  • Axos Bank: Best bank for free domestic ATM access.

  • Radius: Best for free domestic ATM access.

  • Alliant Credit Union: Best credit union for free domestic ATM access.

  • Charles Schwab Bank: Best bank for free international ATM access.

  • Citibank: Best brick-and-mortar bank for free domestic ATM access.

Axos Bank® Rewards Checking
NerdWallet rating 

at Axos Bank®, Member FDIC

Axos Bank

Best Bank for free domestic atm access (tie)

  • Unlimited ATM reimbursements nationwide.

LendingClub Rewards Checking
NerdWallet rating 

at LendingClub Bank, Member FDIC

LendingClub

Best Bank for free domestic atm access (tie)

  • Unlimited ATM reimbursements nationwide.

Alliant Credit Union High-Rate Checking
NerdWallet rating 
Read review

Alliant Credit Union

Best credit union for free domestic atm access

  • No-fee access to more than 80,000 ATMs.

Schwab Bank High Yield Investor Checking®
NerdWallet rating 
Read review

Charles Schwab Bank

Best Bank for free international atm access

  • Unlimited ATM reimbursements worldwide.

Citi® Simple Checking
NerdWallet rating 
Read review

Citibank

Best brick-and-mortar bank for free domestic atm access

  • No-fee access to more than 65,000 ATMs.

Here are more details on the financial institutions that make it much less expensive to access your money via ATM.

Axos Bank

BEST BANK FOR FREE DOMESTIC ATM ACCESS

Axos Bank® Rewards Checking
NerdWallet rating 

at Axos Bank®, Member FDIC

Free ATMs: At any ATM in the U.S., Axos (formerly known as Bank of Internet USA) won’t charge a fee, and they’ll reimburse you any fees the ATM owner charges.

Accounts with the perk: Rewards Checking, CashBack Checking and Essential Checking.

Keep in the mind: Golden Checking and First Checking reimburse ATM fees, too, but they have monthly caps. And the bank charges a 1% fee for international ATM withdrawals and debit card purchases.

LendingClub

BEST FOR FREE DOMESTIC ATM ACCESS

LendingClub Rewards Checking
NerdWallet rating 

at LendingClub Bank, Member FDIC

Free ATMs: At any ATM in the U.S., LendingClub won’t charge a fee to use a non-network ATM and it will reimburse you for any fees you’re charged by the ATM owner at the end of your statement cycle.

Accounts with the perk: Rewards Checking and Champion Checking.

Keep in mind: Essential Checking does not reimburse ATM fees. And while LendingClub reimbursements do apply worldwide, you’ll still be charged a foreign transaction fee for using your card abroad.

» Looking for a good overall account? Check out NerdWallet’s best banks and credit unions

Alliant Credit Union

BEST CREDIT UNION FOR FREE DOMESTIC ATM ACCESS

Alliant Credit Union High-Rate Checking
NerdWallet rating 
Read review

Free ATMs: Alliant Credit Union offers 80,000+ free ATMs. Use one outside of the network, and you’ll be reimbursed up to $20 per month for fees charged by the owner. (Alliant doesn’t charge a fee.)

Accounts with the perk: Both Alliant’s checking accounts, High-Rate Checking and Teen Checking.

Keep in mind: The ATM rebates don’t apply to the 1% foreign transaction fee.

Membership requirements: Become a member of Foster Care to Success, a charitable organization, if you can’t join Alliant another way. Alliant will pay the membership fee on your behalf.

Charles Schwab Bank

BEST BANK FOR FREE INTERNATIONAL ATM ACCESS

Schwab Bank High Yield Investor Checking®
NerdWallet rating 
Read review

Free ATMs: At any ATM worldwide. Rebates are unlimited, and Schwab doesn’t charge a foreign transaction fee.

Accounts with the perk: High Yield Investor Checking Account.

Keep in mind: Schwab is mainly an investment company, and this account is linked to a Schwab One brokerage account.

» Compare checking accounts: Find a good match with NerdWallet’s best checking accounts

Citibank

BEST BRICK-AND-MORTAR BANK FOR FREE DOMESTIC ATM ACCESS

Citi® Simple Checking
NerdWallet rating 
Read review

Free ATMs: Citibank offers 65,000+ ATMs fee-free to customers, including ATMs in chains such as CVS, Target, Rite Aid and Walgreens.

Accounts with the perk: All Citibank checking accounts.

Keep in mind: Holders of some high-end accounts see fewer ATM fees from Citibank, including waived non-network ATM fees from Citibank and third-party owners, as well as waived foreign exchange fees. (Other account holders will pay 3%.) But these accounts also require you to maintain high balances at Citi to avoid monthly fees, and their savings accounts pay little interest.

» If you rely on your bank’s app, explore Nerdwallet’s best banks for mobile banking

Don’t see your bank? Here’s what to do

Many of these accounts have other perks, such as no monthly fees. But if you’re not in the mood to switch, remember that virtually any financial institution will let you withdraw money for free from its own ATMs, and many now have apps that help you locate the nearest free cash machine. Often, credit unions and community banks participate in larger shared ATM networks, too.

Best banks with no ATM fees

Bank

ATM network and fees

Axos Bank

Unlimited ATM fee reimbursements domestically on certain accounts

Radius

Unlimited ATM fee reimbursements domestically on certain accounts

Alliant Credit Union

80,000+ fee-free ATMs, and reimbursements of up to $20 a month for out-of-network fees

Charles Schwab Bank

Unlimited ATM fee reimbursements worldwide

Citibank

65,000+ fee-free ATMs


Methodology

We took a close look at over 70 financial institutions, including the largest U.S. banks based on assets, debit card volume, Internet search traffic and other factors; the nation’s largest credit unions, based on deposits as well as broad-based membership requirements; and other notable and/or emerging players in the industry. We rated them on criteria including annual percentage yields, minimum balances, fees, digital experience and more.

Get more smart money moves – straight to your inbox
Sign up and we’ll send you Nerdy articles about the money topics that matter most to you along with other ways to help you get more from your money.