Compare ATM fees at US banks and credit unions. Foreign ATM surcharges, network access, and how to minimize ATM costs.
Non-Network ATM
$2.00median
$0.50 – $50.00·61 institutions
International ATM
$2.50median
$2.00 – $3.00·4 institutions
How 53 institutions price this fee. National median: $2.00
When you use an ATM outside your bank's network, you may pay two fees: a surcharge from the ATM operator and a foreign ATM fee from your own bank. Combined, these can exceed $5 per transaction. Some credit unions and online banks reimburse ATM fees as a competitive advantage.
Large banks typically charge $2.50-$3.50 for out-of-network ATM use. Credit unions often charge less or participate in surcharge-free networks like CO-OP or Allpoint. Online-only banks frequently offer unlimited ATM fee rebates. International ATM fees add an additional $2-$5 per transaction.
Use your bank's ATM locator app. Get cash back at point-of-sale instead of using ATMs. Consider credit unions with CO-OP network access (30,000+ surcharge-free ATMs). Look for banks offering ATM fee rebates.