Jun 15, 2014, 4:36 pm
Last edit by: hi-guy
Thanks to Doctor of Credit for adding this list.
Low Fee ATMs
No Fee ATMs
I haven't been able to confirm the following so if anybody could confirm for me that would be great:
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 Cafes
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. 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
True no-fee ATMs?
Feb 9, 2013, 9:32 pm
#32
Join Date: Aug 2011
Location: On the Lake USA
Programs: Marriott Ambassador, Hilton Diamond because they have nothing higher
Posts: 523
Yes but limit is $200 per withdrawl at least at the one I tried when I was up in WI snowmobiling last month. That burns the one free a month with only half the benefit of a $400 machine. Lots of new WaWa gas stations being built in Florida I saw last month also.
Feb 10, 2013, 9:01 am
#34
Join Date: Apr 2012
Location: NYC
Posts: 186
Has anyone in NYC tried using one of "Free ATMs NYC" ATMs? Apparently, instead of paying a fee, a video ad plays as you withdraw money. Their website doesn't have a list of locations, but there are some at the Barclay's Center: http://bucks.blogs.nytimes.com/2012/...rclays-center/
Feb 11, 2013, 3:28 pm
#37
Join Date: Jun 2011
Location: Around The World
Programs: ALL :)
Posts: 384
Anyone know West Coast ATMs that are surcharge free? Feel Free to PM me, I also have a huge list of locations I have already tried 
I am in AZ.
I know Washington Mutual use to be, sadly they are now chase and no longer surcharge free.
I am in AZ.I know Washington Mutual use to be, sadly they are now chase and no longer surcharge free.
Feb 12, 2013, 1:16 pm
#38
Join Date: Sep 2001
Location: Washington, DC
Programs: UA Plat MM, AA Gold, Hyatt Explorist, Hilton Gold, IHG Plat, Marriott Titanium Elite
Posts: 5,015
No, but WM started charging an ATM fee well before it went belly up and was acquired by Chase. Get a Bluebird card with direct deposit to your account and all your ATM withdrawals at MoneyPass ATMS will be free.
Last edited by DCBob; Feb 13, 2013 at 4:30 pm
Feb 12, 2013, 3:27 pm
#41
Join Date: May 2006
Location: MYF/CMA/SAN/YYZ/YKF
Programs: COdbaUA 1K MM, AA EXP, Bonbon Gold, GHA Titanium, Hertz PC, NEXUS and GE
Posts: 5,839
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.
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.
2) It worked fine for WaMu. WaMu went to pot because of their mortgage lending practices, not their free checking (which was carried over from Great Western).
Feb 12, 2013, 5:53 pm
#42
Join Date: Jan 2008
Location: LAS
Programs: DL PM, UA PS, Hyatt Globalist, Marriott Titanium
Posts: 4,904
For anybody in CA: http://www.ebtproject.ca.gov/Library/Cash_Access.pdf
Feb 12, 2013, 7:42 pm
#43
Join Date: Jul 2007
Programs: Marriott Platinum
Posts: 274
For anybody in CA: http://www.ebtproject.ca.gov/Library/Cash_Access.pdf
Feb 13, 2013, 11:15 am
#44
Join Date: Nov 2005
Location: MOD/SFO
Programs: Whole Lot of Nothin' anymore - Thanks to baby!
Posts: 582
BTW Winco is correct, its $1 for ATM, up to $1k. saves you a quarter over costco, but only worth it if it is in your way..
Feb 13, 2013, 11:37 am
#45
Join Date: Nov 2012
Posts: 294
its not that accurate. those are surcharge free ATMs for someone who has an EBT card (food stamps/gov benefits). I've been to a couple of them and they charged fees. best to check yourself.
BTW Winco is correct, its $1 for ATM, up to $1k. saves you a quarter over costco, but only worth it if it is in your way..
BTW Winco is correct, its $1 for ATM, up to $1k. saves you a quarter over costco, but only worth it if it is in your way..