Last updated: July 9, 2026
Using another bank’s ATM typically costs $2.50 to $3 from your own bank plus a $2 to $4 surcharge from the ATM owner, call it $5 to $7 per withdrawal if you get it wrong. It is entirely avoidable: Capital One charges nothing anywhere, four of the eight biggest banks belong to surcharge-free networks like Allpoint (55,000+ ATMs) and MoneyPass (nearly 40,000), and premium checking tiers waive or refund the fees outright.
This page compares the official fees at the eight biggest U.S. banks, verified against each bank’s current fee schedule, and shows exactly where to withdraw for free.
ATM fees compared, bank by bank
| Bank | Own ATM | Non-network ATM (U.S.) | International ATM | Surcharge-free network |
|---|---|---|---|---|
| Bank of America | Free | $2.50 | $5 + 3% currency conversion | None (BofA ATMs only) |
| Chase | Free | $3 | $5 + 3% exchange adjustment | None (Chase ATMs only) |
| Wells Fargo | Free | $3 | $5 | None (WF ATMs only) |
| Citibank | Free | $2.50 | 3% foreign exchange fee | MoneyPass (65,000+ fee-free total) |
| U.S. Bank | Free | $3 | $3 + 3% processing | MoneyPass (40,000+ reachable) |
| PNC | Free | $3 | $5 + 3% | 60,000 PNC and Partner ATMs (incl. Allpoint and MoneyPass partners) |
| Truist | Free | $3 ($2.50 Confidence accounts) | $5 + 3% assessment | None (Truist ATMs only) |
| Capital One | Free | $0 (operator surcharge may apply) | $0 on 360 accounts; $2 + 3% on non-360 | Allpoint and MoneyPass (70,000+ fee-free) |
On top of your bank’s fee, the ATM owner usually adds its own surcharge, typically $2 to $4, shown on screen before you confirm. Every figure above is verified against the bank’s current published fee schedule; each linked guide has the exact source. Last verified: July 2026.
The two fees, explained
An out-of-network withdrawal triggers up to two separate charges: your bank’s non-network fee ($2.50 to $3 at these eight banks, $5 abroad at most) and the ATM operator’s surcharge, set by whoever owns the machine. Surcharge-free networks eliminate the second fee, and at Citi, U.S. Bank, PNC, and Capital One the network machines also skip the first fee or most of it. International withdrawals usually add a 3% currency charge on top.
The surcharge-free networks
- Allpoint: over 55,000 surcharge-free ATMs worldwide, mostly inside retailers, CVS, Walgreens, Target, and Circle K. Run by NCR Atleos. Capital One and PNC (as Partner ATMs) participate, along with many online banks. See our Allpoint ATM near me guide.
- MoneyPass: nearly 40,000 surcharge-free ATMs nationwide, run by Fiserv. Citibank, U.S. Bank, PNC (partners), and Capital One participate.
- Presto!: 1,400+ surcharge-free ATMs at Publix supermarkets across Florida, Georgia, Alabama, Tennessee, the Carolinas, Virginia, and Kentucky, owned by Publix itself, with member credit unions and banks across the Southeast.
- Visa Plus Alliance and Cirrus: interbank networks that route your card, not automatically fee-free, though the Plus Alliance subset is a surcharge-free program used by several online banks.
Premium accounts that make ATM fees disappear
- Chase: Premier Plus pays no Chase fee worldwide; Sapphire Checking and Private Client also get operator surcharges refunded.
- Wells Fargo: Prime Checking reimburses one operator fee per period (U.S. and international); Premier reimburses them all.
- Citibank: Priority, Citigold, and Private Client skip the $2.50 fee and the 3% international fee; Citigold tiers get surcharges refunded too.
- Bank of America: Preferred Rewards Platinum gets one waiver and refund per cycle; Platinum Honors and up, unlimited.
- PNC: Performance gets 2 fees back plus $5 of surcharges per period; Performance Select pays no PNC fee anywhere plus $10 of surcharges.
- Truist: waivers scale with Truist One levels, from 1 per month at Level 2 to unlimited at Premier; Marquee adds international fees and uncapped rebates.
- U.S. Bank: Smartly Checking Smart Rewards tiers waive two or all non-U.S. Bank ATM fees; ages 13-24 get four waived per period.
Five ways to never pay an ATM fee
- Stay in network: use your bank’s locator or our ATM near me guide before you assume the nearest machine is fine.
- Use retail network ATMs: a CVS or Walgreens Allpoint machine beats a random convenience-store ATM.
- Get cash back at checkout: grocery and drugstore registers add cash to a purchase free at most banks.
- Pick the right account: if you travel, the premium tiers above, or Capital One 360’s zero-fee policy, pay for themselves.
- Withdraw larger amounts less often: fees are flat, so one $300 withdrawal costs a third of three $100 ones.
Frequently asked questions
How much does it cost to use another bank’s ATM?
Typically $5 to $7 total: your bank’s non-network fee ($2.50 to $3 at the biggest banks) plus the ATM owner’s surcharge (usually $2 to $4, shown on screen before you confirm). Capital One charges no fee of its own at any U.S. ATM.
Which bank has no ATM fees?
Capital One: no fee at Capital One, Allpoint, or MoneyPass machines (70,000+), no Capital One fee at other U.S. ATMs, and no foreign transaction fees on 360 accounts. Only the ATM owner’s own surcharge can apply.
What is a surcharge-free ATM network?
A network whose member ATMs waive the operator surcharge for participating banks’ customers. The big three: Allpoint (55,000+ machines in retailers like CVS, Walgreens, and Target), MoneyPass (nearly 40,000), and Presto! (1,400+ at Publix stores in the Southeast).
Are Allpoint ATMs really free?
The Allpoint machine itself charges no surcharge if your bank participates (Capital One and PNC among the big eight). Your own bank’s non-network fee can still apply at some institutions, check your fee schedule.
How much are international ATM fees?
At most big banks, about $5 per withdrawal plus 3% of the amount: Bank of America, Chase, PNC, and Truist all follow that pattern, Wells Fargo charges $5, and U.S. Bank $3 plus 3%. Capital One 360 accounts pay nothing extra abroad.
How do I avoid ATM fees when traveling?
Before the trip, map your bank’s network and its surcharge-free partners where you are going. Abroad, premium tiers (Chase Sapphire and Private Client, Citigold, Wells Fargo Premier, Truist Marquee) waive fees and refund surcharges, and Capital One 360 is free by default.
Does the ATM owner’s surcharge go to my bank?
No. The surcharge, typically $2 to $4, goes to whoever owns the machine. Your bank’s separate non-network fee is what shows up later on your statement. Premium accounts that ‘refund ATM fees’ usually refund both.
For more banking guides
- ATM Withdrawal Limits by Bank, daily maximums at the same eight banks, compared
- ATM Deposit Rules by Bank, cutoff times and funds availability compared
- Cardless ATM Guide, which banks let you withdraw with your phone, and how
- Allpoint ATM Near Me, finding the 55,000-machine surcharge-free network
- ATM Near Me, find ATMs for any bank
- Banks Near Me homepage, a directory of 80+ U.S., U.K., and international banks