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

True no-fee ATMs?

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Mar 10, 2013, 10:43 pm

#91

JerMah

Join Date: Feb 2013

Location: NY

Posts: 233

Is this known of?: http://locator.allpointnetwork.com
All Point ATMs?

Mar 11, 2013, 3:07 am

#92

thegasguru

Join Date: Feb 2011

Programs: DL DM Hub Captive, Marriott Plat, Hilton Diamond, PC Plat, and other stuff.

Posts: 904

Quote:

Originally Posted by JerMah

Is this known of?: http://locator.allpointnetwork.com
All Point ATMs?

My experience with AllPoint ATMs is that they are free if your bank is part of the AllPoint network. Most of the prepaid card issuing banks are not part of that network, at least in my experience.

Mar 11, 2013, 8:48 am

#93

bvddy

Join Date: Mar 2013

Location: Spokane, Washington

Posts: 18

There is a no-fee ATM in the Eastern Washington University PUB (building) in Cheney, Washington. Still looking around for some in Spokane...

Mar 11, 2013, 8:24 pm

#94

Lemma

Join Date: Feb 2013

Programs: All of them!

Posts: 322

Quote:

Originally Posted by nwflyboy

Just to clarify, the Amex Prepaid cards are only one example. True no-fee ATMs are useful for other things, too.

It can be a little awkward going to the bank to deposit big wads of $20 bills, though. I'm willing to put up with that.

It may be awkward and make you look like a drug dealer, but I'll take depositing $20s over dollar coins. My car's suspension prefers it that way.

Checked 2 CUs in my area and both wanted a fee. I don't know what Walmart charges but I know from using Bluebird there that they limit you to $300 so it wouldn't be good for cards that charge a fixed fee per withdrawal. Also tried my local university campus but they only have WF and BofA ATMs. And there are no Kwik Trips or Wawas anywhere near me or even in neighboring states. So far I'm stuck with trying to sneak into Costco without being a member, although I decided to buy a membership since I'm there anyway to use the ATM and if it doesn't save me money I'll get a refund under their 100% satisfaction guaranteed policy. I'm waiting for it to come in the mail. It seems like free ATMs are very much a rarity and YMMV. I'll consider myself relatively lucky though as I do have access to a few different CVS stores that sell VR with CC, though the majority I've tried don't stock them and one doesn't allow CC.

Mar 15, 2013, 10:07 pm

#95

aresay

Join Date: Apr 2012

Location: NYC

Posts: 186

No-Fee ATMs in NYC

Quote:

Originally Posted by aresay

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/

FreeATM now has a tool on their website (http://thefreeatm.com/) to locate their ATMs. Right now there are not too many options (3 actually), but I plan on keeping an eye on this space for future developments.

1. Barclays Center

2. Knitting Factory (Brooklyn)

3. Pushkin Bakery

The bakery is a bit out of the way for me, but its nice to see they are setting up locations at non-venues.

Mar 16, 2013, 1:51 pm

#96

nas6034

Join Date: Jul 2006

Posts: 1,346

Quote:

Originally Posted by aresay

Sent you PM but apparently the barclays location has the atm in a location that you can access without ticket.

Mar 16, 2013, 2:24 pm

#97

darben

Join Date: Oct 2007

Programs: AGR, PC, HH no status as I stopped paying for travel

Posts: 1,454

Quote:

Originally Posted by nep301

Not really. You still have to use an Ally debit card to get reimbursed. This is no help if you are trying to cash out American Express pepaid cards

But I believe you could deposit the funds from those cards to your Ally account at any ATM no charge

Mar 18, 2013, 11:28 am

#98

recklessmax

Join Date: Mar 2011

Posts: 113

Quote:

Originally Posted by aresay

Was a huge hassle last time i tried Knitting Factory (Brooklyn) , only allowed 100$ per transaction dosent make sense for churning purposes.

Any free ATM with 400$ limit ?? NY, NJ

Mar 18, 2013, 7:12 pm

#99

thegasguru

Join Date: Feb 2011

Programs: DL DM Hub Captive, Marriott Plat, Hilton Diamond, PC Plat, and other stuff.

Posts: 904

Quote:

Originally Posted by recklessmax

Any free ATM with 400$ limit ?? NY, NJ

Well hells bells....any free ATM with $400 limit ANYWHERE??

Mar 18, 2013, 10:15 pm

#100

gtu2004

Join Date: May 2010

Location: NYC

Posts: 246

I can't even find an ATM that lets me withdraw more than $300 with reasonable fee, let alone no-fee...

I use Allpoint but it costs $0.99 and can only go up to $300.

Mar 18, 2013, 11:17 pm

#101

milesmomma

Used to be 'slotownmomma'

Join Date: Mar 2010

Location: Central Coast of California

Programs: Too many to list!

Posts: 238

Big thanks

Quote:

Originally Posted by amolkold

For anybody in CA: http://www.ebtproject.ca.gov/Library/Cash_Access.pdf

Thanks for this great resource list! A couple banks in my area!

Mar 20, 2013, 12:27 pm

#102

tonyflyer

Join Date: Nov 2011

Posts: 301

According to the list, both Citibank and Bank of the West provide surcharge free ATM in CA, but I found both banks charges $3 for ATM withdraw for non-bank cards, anyone has different experience?

Quote:

Originally Posted by amolkold

For anybody in CA: http://www.ebtproject.ca.gov/Library/Cash_Access.pdf

Mar 21, 2013, 5:44 pm

#103

DCBob

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

Quote:

Originally Posted by slotownmomma

Thanks for this great resource list! A couple banks in my area!

Quote:

Originally Posted by tonyflyer

According to the list, both Citibank and Bank of the West provide surcharge free ATM in CA, but I found both banks charges $3 for ATM withdraw for non-bank cards, anyone has different experience?

Reading comprehension is definitely a problem on this thread. That was a list of ATMs that don't charge a fee for EBT cards (government welfare benefits). EBT = Electronic Benefits Transfer. Those locations definitely are NOT surcharge-free for ALL debit cards, which is the subject of this thread: "TRUE No-Fee ATMs".

Mar 21, 2013, 6:04 pm

#104

amolkold

Join Date: Jan 2008

Location: LAS

Programs: DL PM, UA PS, Hyatt Globalist, Marriott Titanium

Posts: 4,904

Quote:

Originally Posted by DCBob

That being said, that list helped me find an ATM that is my new go-to ... it might not be the most accurate for our uses, but it's somewhere to start. That's why I shared it.

Apr 2, 2013, 6:39 pm

#105

gatorboy

Join Date: Apr 2001

Location: WashDC - AA Lifetime Gold, UA Premier Gold, Marriott Titanium Lifetime, Hilton Diamond, Cal Tort Burrito Elito

Posts: 270

Wawa

Quote:

Originally Posted by thegasguru

Well hells bells....any free ATM with $400 limit ANYWHERE??

Yes, Wawa, found primarily in PA and NJ but also MD and FL, maybe elsewhere, offers true no fee, no surcharge on any card with $400 withdrawals allowed.