Finding a bank with access to a large, fee-free ATM network is a priority for many consumers looking to avoid out-of-network withdrawal fees, which average over $4.50 per transaction according to recent industry data. The good news is that numerous banks, both national and local, participate in extensive shared networks that provide surcharge-free access to tens of thousands of ATMs across the country.
Major Banks with National ATM Networks
Several large national institutions operate the most extensive proprietary networks. If you have an account with one of these banks, you can use their ATMs without fees.
- Chase: Has over 15,000 ATMs nationwide.
- Bank of America: Provides access to approximately 16,000 ATMs.
- Wells Fargo: Maintains a network of roughly 12,000 ATMs.
- U.S. Bank: Operates about 4,700 ATMs in its branch states.
Banks and Credit Unions in Large Shared Networks
Many banks and most credit unions do not have vast proprietary networks but belong to nationwide alliances. These partnerships allow customers to use ATMs from other participating institutions without incurring surcharges.
- Allpoint Network: This is the largest surcharge-free network globally, with over 55,000 ATMs in retail locations like CVS, Target, and Walgreens. Many online banks (e.g., Ally, Capital One 360) and some regional banks provide Allpoint access.
- MoneyPass Network: Comprises over 40,000 surcharge-free ATMs, often used by credit unions and regional banks.
- CO-OP Network: Primarily for credit unions, this network includes over 30,000 surcharge-free ATMs and often allows shared branching services.
How to Find Fee-Free ATMs Near You
To locate a bank in your area that offers this benefit, follow these steps:
- Identify Your Priorities: Decide if you prefer a national bank with its own ATMs or are open to an online bank or credit union that uses a shared network like Allpoint.
- Use Online Tools: Visit bank websites and use their "ATM locator" features. For shared networks, visit the network websites (e.g., Allpoint.com, MoneyPass.com) to see ATM maps.
- Review Account Details: When researching a specific bank, check its deposit account agreement or fee schedule for details on ATM reimbursements. Some banks, particularly online banks, will reimburse a set amount of other banks' ATM fees each month.
- Contact Local Institutions: For regional banks and credit unions, a quick call can confirm which national network they participate in and the extent of fee-free access.
Ultimately, a bank "near you" that is part of a larger fee-free network is highly likely. Your most efficient path is to shortlist institutions that meet your other banking needs and then verify the scope and convenience of their ATM access using the tools they provide.