Find Fee-Free ATMs & Banking Access

Understanding ATM Networks

Most banks and credit unions participate in shared ATM networks that let you withdraw cash without paying a surcharge. The two largest surcharge-free networks in the US are Allpoint (with over 55,000 ATMs) and MoneyPass (with over 37,000 ATMs). These machines are typically located inside retail stores like CVS, Walgreens, Target, and 7-Eleven.

What Are ATM Surcharges?

An ATM surcharge is a fee charged by the ATM operator when you use a machine outside your bank's network. The average out-of-network ATM fee in the US is approximately $3.00–$3.50 per transaction from the operator, plus an additional $1.50–$2.75 your own bank may charge. These fees add up quickly — using an out-of-network ATM twice a week could cost you over $500 per year.

Tips to Avoid ATM Fees

• Use your bank's mobile app to find in-network ATMs before you leave home.
• Choose a bank or credit union that reimburses ATM fees — many online banks offer this perk.
• Get cash back at grocery stores and retailers with your debit card purchase instead of using an ATM.
• Look for ATMs displaying the Allpoint, MoneyPass, or SUM network logos.
• Consider switching to a credit union that participates in the CO-OP ATM network (over 30,000 ATMs nationwide).

Why Use ATMS USA?

We aggregate ATM location data from multiple surcharge-free networks and organize it by state, city, and ZIP code so you can quickly find accessible cash points near you — all without needing to download multiple banking apps.