Low Fee & No Fee ATMs

Most checking accounts with debit cards either have a large network of fee free ATMs or offer you a reimbursement for any ATM fees you are charged. That said there are some circumstances when knowing which ATMs are fee free for all customers is useful. This post contains a full list of low fee ATMs & no fee ATMs. This doesn’t include any fees charged by the financial institution you bank with, this only includes charges that the ATM owner/operator charge.

This information is also useful if you have a prepaid card such as the American Express for Target or American Express Campus edition card and want to unload your funds.

If you know of any others, please comment at the bottom of this article or send us a tip via our contact us page. Also try to let us know what the maximum is that can be withdrawn at a time.

Low Fee ATMs

• AllSouth Federal Credit Union: $1 per withdrawal, unknown limit. [Branch locator, SC only]
• B&H Photo: $1 per withdrawal, $500 limit [Store location, NY only]. ATM is behind the cashiers.
• Costco: $1.25 per withdrawal [Store locator]. You don’t need to be a Costco member to use their ATM.
• Cathay Bank: $2 per withdrawal [ATM locator].
• First Entertainment Credit Union: 99¢ CA only (possibly only their Burbank location) Branch locator
• McDonalds: $1 per withdrawal, maximum of $300 cash out [Restaurant locator]
• Wegmans: $1 per withdrawal [East Coast, Store locator]
• Western Federal Credit Union: $2 per withdrawal, $400 maximum  [AL, AR, CA, IN, CO, KY, MI, MS, TN, TX, UT, VA, WV Store locator]
• Winco: $1 per withdrawal up to $400 per withdrawal[AZ, CA, NV, OR, UT, WA, TX Store locator]

No Fee ATMs

• Barona Casino: San Diego, California
• Bellco: Colorado Only, Branch locator
• Capital One 360 Cafes: $800 limit (Chicago, IL), (Honolulu, HI), (Los Angeles, CA), New York (NY), (Philadelphia, PA), (St. Cloud, MN), (Wilmington, DE), (San Francisco, CA) All locations here. Free internet as well (50% off beverage purchaes with Capital One when you pay using your capital one debit card).
• Get Go: OH, Store locator
• Quick Chek:  NY, NJ only, Store locator
• KwikTrip: $200 limit IA, MN, WI only, Store locator
• Liberty Bank: CT only  Branch locator
• Murphy’s Gas Stations: $200 limit CO, NM, TX, KS, OK, MN, IA, MO, AR, LA, IL, MS, AL, TN, KY, IN, MI, OH, MI, FL, GA, SC, NC, VA, WV Store locator
• MSU Federal Credit Union: MI only,  Branch locator
• Rutters: PA only, Store locator
• Royal Farms Convenience Store: VA, MD, PA, DE  Store locator
• Sheetz:  PA, VA, WV,  MD, OH, NC only, Store locator
• The Free ATM: This start up requires you to watch a small advertisement before giving you a fee free ATM withdrawal, locations seem to be mainly in NY at the moment but there isn’t a list of locations. We’ve contacted them and if they provide a list we’ll post it here.
• Turkey Hill Gas Stations: PA, OH, IN only Store locator
• University of South Carolina. SC
• Wawa convenience store: FL, MD, NJ, PA & VA  Store locator
• Wiegels Convenience Store: Knoxville TN area only Store locator
• Woodman’s: WI only, Store locator. You must use the ATM owned by store itself (most will have two different ATMs and one won’t be free)
• View fee free ATM withdrawals in the Bay Area. This list was provided for EBT cards (e.g government assistance) and as such doesn’t include a fee free list for all card holders. It is useful as a starting point as a lot of those listed are fee free for everybody.

Possible Fee Free:

Universities often have arrangements with big banks (namely Bank of America) that give fee free ATM withdrawals on campus (no need to be a student). A lot of smaller credit unions, especially those with government affiliations will have fee free ATMs inside their branches that are available for all to use fee fee (no need to be a member). A lot of building also have deals with banks and allow them to have an ATM inside if they offer lower fees, occasionally these will also be $0.

Below is a list of places that might be fee free, but we haven’t received confirmation from any of our readers about these locations:

• Aldi supermarkets, not sure if fee free or low fee.
• Cardtronics ATM inside CVS locations.
• Eastern Washington University PUB (building) in Cheney, Washington
• RaceTrac: Possibly only TX locations only Store locator here, hit the magnifying glass in top right corner $300 limit

Thanks to FWF & FlyerTalk for providing some of these locations.