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Old Jun 15, 2014, 4:36 pm
FlyerTalk Forums Expert How-Tos and Guides
Last edit by: hi-guy
Thanks to Doctor of Credit for adding this list.

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. $400 limit
  • Cathay Bank: $2 per withdrawal [ATM locator].
  • First Entertainment Credit Union: 99cents per withdrawal [CA only Branch locator]
  • McDonalds: $1 per withdrawal, $300 limit [Restaurant locator]
  • Frost Bank (TX) $2.00 per WD
  • Wegmans: $1 per withdrawal [East Coast, Store locator]
  • Winco: $1 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 CafesChicago, IL), (Honolulu, HI), (Los Angeles, CA), New York (NY), (Philadelphia, PA), (St. Cloud, MN), (Wilmington, DE), (San Francisco, CA) All locations here. Free internet. Extra perks with use of Capital One debit card. $800 limit
  • Quick Chek: .NY, NJ only,.Store locator
  • KwikTrip: $200 limit IA, MN, WI only, Store locator
  • Liberty Bank: CT only, Branch locator (New Haven branch near Yale charges per this post)
  • 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
  • Racetrac: ATM sponsored by Fifth Third Bank (not at bank) Central Florida
  • Rutters: PA only, Store locator
  • Royal Farms Convenience Store: VA, MD, PA, DE. $200 limit 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.
  • Thornton's Gas/Convenience Stores (Central FL). Sponsor: PNC (may not be good at PNC branch)
  • Turkey Hill Gas Stations:.PA, OH, IN only Store locator
  • Wawa convenience store: Central FL, MD, NJ, PA & VA .Store locator
  • Get Go: OH, Store locator
  • Wiegels Convenience Store: Knoxville TN area only.Store locator
  • Woodman’s: WI and extreme northern IL only,.Store locator
  • 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.

I haven't been able to confirm the following so if anybody could confirm for me that would be great:
  • Aldi supermarkets, not sure if fee free or low fee. Some stores don't have ATM. Don't make special trip.
  • Cardtronics ATM inside CVS locations. (Varies due to bank branding, ie, Chase affiliated Cardtronics ATM had $3 fee. On the other hand, Cardtronics ATM at a local Costco had local CU branding, was $1.25 per WD) Cardtronics inside CVS = $3 in PHX area See below:
    http://www.cardtronics.com/consumers/consumer-faq.asp
  • 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 $2 fee in Houston as of 2/2015
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True no-fee ATMs?

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Old Jul 28, 2014, 12:27 pm
  #151  
 
Join Date: Jul 2009
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BAD TIP re Western Federal Credit Union ATMs -- I also tried one in California and to get 400 from my AFT would have cost a $2 fee.
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Old Aug 5, 2014, 7:34 am
  #152  
 
Join Date: Mar 2014
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Originally Posted by FormallyKnownAs
I was in the Capital One 360 cafe in NYC today and noticed a new sticker posted indicating the machine could charge $3 per ATM transaction. Checked my statement and didn't see anything for today's transaction but not a good sign for the future.
Stopped by today and noticed the sticker was gone
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Old Aug 5, 2014, 9:30 am
  #153  
 
Join Date: May 2013
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I went to the First Entertainment Credit Union ATM in Burbank and unfortunately it wasn't fee free for AFT but was $0.99.
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Old Aug 5, 2014, 9:51 am
  #154  
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Guess I was hitting one of my fee free ATMs too hard with AFT withdrawals. They lowered the cash withdrawal limit from $600 to $300. Luckily I have a ton of other locations around.
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Old Aug 5, 2014, 10:26 am
  #155  
 
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Originally Posted by payeco
Guess I was hitting one of my fee free ATMs too hard with AFT withdrawals. They lowered the cash withdrawal limit from $600 to $300. Luckily I have a ton of other locations around.
Were you pulling > $400 at a time? Thought AFT withdrawal was limited to $400 per trans?
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Old Aug 5, 2014, 10:31 am
  #156  
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Originally Posted by jiffyjiff
Were you pulling > $400 at a time? Thought AFT withdrawal was limited to $400 per trans?
No, it is limited to $400. I think because they saw a bunch of $400 withdrawals back to back the store lowered the ATM limit from $600 to $300 so "whoever" was doing those $400 withdrawals couldn't do it anymore.
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Old Aug 5, 2014, 11:06 am
  #157  
 
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For Costco ATMs, if you are not a Costco member, do they always let you walk in to use the ATM anyways? I've only done it once, but the guy gave me an odd look when I told him I just wanted to use the ATM.
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Old Aug 5, 2014, 11:08 am
  #158  
 
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It seems Ally Bank offers no fees at ATM locations:

http://www.ally.com/bank/interest-checking-account/
ernestg is offline  
Old Aug 5, 2014, 11:10 am
  #159  
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Originally Posted by exarkun
For Costco ATMs, if you are not a Costco member, do they always let you walk in to use the ATM anyways? I've only done it once, but the guy gave me an odd look when I told him I just wanted to use the ATM.
Do you go in the "enter" or "exit" side? I've never had anyone say anything to me when I've gone in the "exit" side. I don't do it requently since I'm a member but any time I have gone in that way I've never been stopped. I've also never seen the same person there twice. If someone asks just say "I forgot my member card in the car but I just need to use the ATM real quick".
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Old Aug 5, 2014, 8:30 pm
  #160  
 
Join Date: Jun 2014
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Originally Posted by ernestg
It seems Ally Bank offers no fees at ATM locations:

http://www.ally.com/bank/interest-checking-account/
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Old Aug 5, 2014, 10:20 pm
  #161  
 
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The only no fee ATM that I know of in LA is at cap360 cafe on SM Blvd. Let me know if any other exists in SFV or Westside please.
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Old Aug 6, 2014, 3:58 am
  #162  
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Originally Posted by ernestg
It seems Ally Bank offers no fees at ATM locations:

http://www.ally.com/bank/interest-checking-account/
It seems this facility is only for Ally cardholders.

Checking ATM availability (for New York City at least), many listed ATMs show:
ATM — Ally reimburses ATM fees
Implication: Ally reimburses Ally cardholders.
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Old Aug 12, 2014, 6:57 pm
  #163  
 
Join Date: Aug 2014
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Just a small correction(that I can't make yet), the Wawa stores are not located in MA(Massachusetts) but are located in MD(Maryland).
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Old Aug 12, 2014, 7:31 pm
  #164  
 
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Originally Posted by exarkun
For Costco ATMs, if you are not a Costco member, do they always let you walk in to use the ATM anyways? I've only done it once, but the guy gave me an odd look when I told him I just wanted to use the ATM.
I was told Corp. wanted only members inside the building. Suggested I could have a membership with a satisfaction guarantee refund. Yep, to use the ATM.

(Base RBFCU too far away, but I should have checked a branch one. Thanks)

Last edited by jan_believes; Aug 12, 2014 at 7:53 pm
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Old Aug 12, 2014, 7:43 pm
  #165  
 
Join Date: Jul 2009
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Just tell them you're there to buy alcohol. In 99% of the states that allow grocery stores to sell booze, it's illegal to prevent an of-age non-member from shopping to their heart's content.

P.S. RBFCU
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