BEST OF

5 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 reimburse ATM fees or otherwise help you avoid ATM fees.

Best banks for free ATMs

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

  • LendingClub: Best online bank for free domestic ATM access (tie).

  • Axos Bank: Best online bank for free domestic ATM access (tie).

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

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

Why you can trust NerdWallet: Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our coverage to help you choose the financial accounts that work best for you. See our criteria for evaluating banks and credit unions.

Best Banks to Avoid ATM Fees

Our pick for

Free domestic ATM access

NerdWallet rating 

4.0

/5
Citibank, N.A.
NerdWallet rating 

4.5

/5
LendingClub Bank
NerdWallet rating 

4.5

/5
Axos Bank®
NerdWallet rating 

4.0

/5
Consumers Credit Union

Our pick for

Free worldwide ATM access

NerdWallet rating 

4.5

/5
Schwab Bank

Don’t see your bank on this list of best banks to avoid ATM fees? Here’s what to do

Many of these accounts have other perks, such as no monthly fees. But if you don't want to switch banks, 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.

Last updated on February 4, 2022

Methodology

We took a close look at over 80 financial institutions and financial service providers, including the largest U.S. banks based on assets, internet search traffic and other factors; the nation’s largest credit unions, based on assets and membership; 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.

To recap our selections...

NerdWallet's Best Banks to Avoid ATM Fees