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 dont 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
  • Woodmans: 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?

Old Feb 8, 2013, 8:30 pm
  #16  
 
Join Date: Jun 2011
Location: Around The World
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Originally Posted by concordian
I couldn't find any and settled on Costco($1.25).
Ditto that being said if anyone is in AZ and knows some of them that I could find I would greatly appreciate it. One week I went on an ATM hunt of all the banks anywhere on my path. Cheapest I found was $2.00, so I settled at Costco.

Feel Free to PM me with Any Questions or if you want to bounce off ideas.
steventravel is offline  
Old Feb 8, 2013, 8:57 pm
  #17  
 
Join Date: Jul 2010
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Columbus,OH:

Turkey Hill gas stations (owned by Kroger)
OHijAAzi73 is offline  
Old Feb 9, 2013, 10:59 am
  #18  
 
Join Date: Jan 2012
Posts: 267
Originally Posted by naseefc
Are you in Seattle, I can tell you of a few
I am from SEA let me know the scoop!
rdaven2003 is offline  
Old Feb 9, 2013, 11:12 am
  #19  
 
Join Date: Dec 2012
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opps... edit
iruvmattree is offline  
Old Feb 9, 2013, 11:40 am
  #20  
 
Join Date: Feb 2012
Location: Amsterdam
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Come over to the UK. About 99% of them do not charge. Very easy to find free ATM's in most of Europe.
AlwaysFlyStar is offline  
Old Feb 9, 2013, 12:02 pm
  #21  
 
Join Date: Oct 2012
Posts: 164
Do any of the companies that you work for have an ATM inside your building?

My company has a PNC ATM (typically $3) for $1 withdrawals. Been draining out my AMEX Campus Edition card this way.
jm38750n is offline  
Old Feb 9, 2013, 1:42 pm
  #22  
 
Join Date: Mar 2007
Posts: 375
We used to have no-fee ATM at Walmart, it was called "Cash Depot".
I withdrew about $4k one month from Amex cards and the next month it became fee ATM ($1.75 for $300)...
groundhog is offline  
Old Feb 9, 2013, 1:58 pm
  #23  
 
Join Date: Oct 2010
Posts: 74
True no-fee ATMs?

All of the WaWa ATMs near me (PA) are free.
jandmmom is offline  
Old Feb 9, 2013, 2:12 pm
  #24  
 
Join Date: Nov 2011
Location: Phoenix area
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Charles Schwab Investor Checking accounts have no ATM fees anywhere in the world. You can use your card to get cash at any bank's ATM machines.(You get reimbursed for all of them.)

We've had Schwab accounts for years. We have no fees on anything! The only negative is they don't have branches where you can take cash so all deposits have to be by check or wire, and they have to be sent in or taken to a branch which will send it in for you.
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Old Feb 9, 2013, 3:09 pm
  #25  
 
Join Date: Aug 2011
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KwikTrip gas stations in the upper midwest (MN, WI, etc.) have surcharge free arms
zeddy218 is offline  
Old Feb 9, 2013, 4:12 pm
  #26  
 
Join Date: Jan 2004
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MoneyPass ATMs

Hi. I downloaded an APP to find "money pass" ATMs where you could withdraw funds from the bluebird card, either free if you do direct deposit or for $2 if you don't. It listed a PNC bank near me and gave me the address. I withdrew $400 and then saw I was charged the $2 as planned but also $3 for using the ATM. I called Bluebird customer service, they looked it up and reimbursed me the $3. I asked them how this happened and was asked "did the ATM have a moneypass logo on it?" I asked if it was possible that at the location provided by the app that there could be both moneypass and non-moneypass ATMs and they werent sure.

Anyone else have problems with moneypass ATMs shown by the APP charging fees?

Thanks.
silver springer is offline  
Old Feb 9, 2013, 5:23 pm
  #27  
Original Poster
 
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You're missing the point.

Most ATMs don't charge a fee for cards in their network (whatever their network happens to be). There are countless examples of these - these are everywhere.

It's the rare ATM that doesn't charge a fee regardless of what network the card is in (or if it has no network at all). Those are nice (and hard to find).
nwflyboy is offline  
Old Feb 9, 2013, 7:30 pm
  #28  
 
Join Date: Jan 2009
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Originally Posted by nwflyboy
You're missing the point.

Most ATMs don't charge a fee for cards in their network (whatever their network happens to be). There are countless examples of these - these are everywhere.

It's the rare ATM that doesn't charge a fee regardless of what network the card is in (or if it has no network at all). Those are nice (and hard to find).
And for those of you who are still confused, OP is looking for ATMs that don't charge fees for any card, not cards that don't charge fees for any ATM (like Schwab). Big difference.
sk8uno is offline  
Old Feb 9, 2013, 8:23 pm
  #29  
 
Join Date: Nov 2011
Posts: 301
One of the largest CUs in bay area, charges $2.5 instead of $3 for Amex PP or AFT.

I have yet to find one ATM that is truly free in bay area.

Originally Posted by PedroNY
Credit Unions, check them out, a lot still do not charge.

Cheers,

PedroNY
tonyflyer is offline  
Old Feb 9, 2013, 8:35 pm
  #30  
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Some cities in California attempted to ban surcharges, but the federal government sided with the banks and the cities lost the case (Bank of America v. City and County of San Francisco, in the 9th Circuit Court of Appeals).

Washington Mutual was the last major bank that had surcharge-free ATMs. They also had free checking and lower fees on many other things. Needless to say it didn't work out so well for them.

Why would anyone offer a surcharge-free ATM? Most people can avoid surcharges by staying in network or getting reimbursements, and those that can't will pay the surcharge if they really need money. Having an ATM without surcharges is just leaving money on the table.
cbn42 is offline  

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