Want to find a free ATM near you? With ATM fees rising each year, it’s more important than ever to find a network of fee-free ATMs near where you live, work and play.
Here’s Where to Look for Free ATMs Near You
Isn’t it annoying when you go to an ATM while you’re out and about only to face a big fee to access your own money?
According to BankRate.com, the average fee for an out-of-network ATM withdrawal reached a record high of $4.72 in October 2019.
Think about this: If you took out cash each week for a year and paid that fee every time, you’d rack up $245 in annual fees.
Here are Clark.com, we don’t want you to do that! That’s why we’ve compiled this list of fee-free ATM networks that won’t charge an ATM surcharge on their end for you to get your own cash.
However, we should note that foreign ATM fees (also known as out-of-network fees) may still apply if your bank or credit union doesn’t have a partnership in place with these free ATM networks. Check with your financial institution to be sure.
Table of Contents
Overview: Locate a Free ATM Near You
Finding an ATM network that won’t hit you with an ATM surcharge fee when you use one of their machines is easy. Just remember that your own bank may still separately assess an out-of-network fee.
Locations of Free ATMs in Your Area
|ATM Network||Select Locations||Locator Tool|
|Allpoint||Circle K, CVS Pharmacy, Kroger, Safeway, Speedway, Walgreens, Winn Dixie|
|CO-OP Financial Services||Costco Wholesale, Circle K, Dunkin Donuts, Publix, Rite-Aid, select credit unions|
|MoneyPass||7-Eleven, select credit unions and community banks|
|Plus Alliance||Bi-Lo, Costco Wholesale, CVS Pharmacy, Get Go, Target, Walgreens, Winn-Dixie||
With 55,000 machines and counting, Allpoint is the largest of the networks that are ATM surcharge-free in the nation. But the Allpoint ATM network doesn’t end at our borders — you can also find locations in Canada, the United Kingdom, Puerto Rico, Australia and Mexico.
Or you can stop by any of their retail partners:
- Circle K
- CVS Pharmacy
- Winn Dixie
CO-OP Financial Services
With nearly 30,000 ATMS nationwide, CO-OP Financial Services has a heavy focus on free ATMs for credit union members. However, it also has a partnership with several retailers to offer cash with no ATM surcharges on their end.
- Circle K
- Costco Wholesale
- Dunkin Donuts
MoneyPass has a network of more than 32,000 fee-free ATMs nationwide in U.S. and Puerto Rico. More than 7,900 locations at 7-Eleven make the convenience store chain its main retail partner. But MoneyPass also works widely with select credit unions and community banks.
Plus Alliance is unique among ATM networks because it’s only available to cardholders whose Visa ATM or debit card has a Plus Alliance logo on the back of it.
Retail partners include:
- Costco Wholesale
- CVS Pharmacy*
- Get Go
* Select locations only
To find a Plus Alliance ATM near you, simply use the online locator tool. Unfortunately, there is no free mobile app option.
Finding an ATM that won’t charge you an ATM surcharge fee (aka foreign ATM fee or out-of-network fee) is easy if you know where to look. It’s your money and you’re going to have to fight to keep more of it in your wallet.
Meanwhile, some financial institutions actually pride themselves on not nickel-and-diming their customers. These include a lot of online banks. Check out our Best Online Banks: Free Checking and High-Interest Savings Accounts article and consider moving your money today!