How to Stop Paying Bank Atm Charges

There is a way you can avoid paying charges for using a bank ATM. Read on to know how!
How to Stop Paying Bank Atm Charges
In the United States, the average charge for withdrawing money from an out-of-network ATM is $2.01. If you are in a situation where you have to give cash only then you can look out on your bank or credit union's website for a free ATM.
In this article

The world has become digital, yet there are places where we have to spend cash in its physical form. It can be a disadvantage as a lot of time we don’t carry cash, and if it’s a cash-only place, you will have no option but to put a dollar bill. In such cases, if you don’t have cash, your option is limited to searching and withdrawing money from an ATM. If it falls under your bank’s network, you are lucky as otherwise, you will have to pay charges for withdrawing money from the bank ATM. 

In the United States, the average charge for withdrawing money from an out-of-network ATM is $2.01. For non-customers, it has a surcharge of $2.75 which is of course quite high. But the silver lining here is that you can avoid paying charges for using a bank ATM. How? Read on. 

Review Payment Mode

When you have already decided to visit a place such as a restaurant or a movie theatre, you can call them or can check their website to know whether they are accepting digital payments or not. If you are attending an event or a concert, you can also have the option of checking out on the website itself, and that way you can avoid paying cash at the counter if that’s the only payment option available. 

Go for a Network ATM

Most banks have a vast range of networks for ATMs. If you are in a situation where you have to give cash only then you can look out on your bank or credit union’s website for a free ATM. Even before opening a bank account or an account at a Credit Union, you can check the ATM networks to avoid paying fees on withdrawing money. You can find the nearest ATM using an ATM locator given by your bank or credit union.

Close Your Bank or Credit Union Wisely to Get Reimbursement 

This is a precautionary step where you can choose only that bank or a credit union that has the best services when it comes to a vast ATM network and after-services. Many banks such as online banks and Financial Institutions do provide a refund option to their customers. It can be an unlimited amount or around $10 to $25 each month. So do your research before choosing a bank. 

What to Do When the Harm is Already Done?

If you have already paid bank ATM charges and you do not have any other option to recover them, you can go to a cashback store checkout counter. When you make a purchase such as buying groceries you will get a cashback on your purchase. Most of the time only a debit card is eligible thus check it before making the purchase. You will be required to enter the four-digit identification number given to you at the time of the purchase.


Why pay bank ATM fees when you are just withdrawing your own money for your use right? It is always better to take steps in advance than to face the consequences. Always use a bank or credit union that has a large network of ATMs and even if they don’t have a large network at least they should have the option of refunding or embarrassing you for the fees imposed.

Was this helpful?

Did you like the post or would you like to give some feedback? Let us know your opinion by clicking one of the buttons below!

Devanshee Dave

Devanshee Dave

With over 4 years of experience in financial writing and a master’s degree in mass communication & journalism, Devanshee is currently preparing for her CFA (Chartered Financial Analyst) exams. In her spare time, she likes to dance and learn about cosmology, astronomy and anything that can expand her knowledge from the big bang to the big crunch.

This page is purely informational. Beem does not provide financial, legal or accounting advice. This article has been prepared for informational purposes only. It is not intended to provide financial, legal or accounting advice and should not be relied on for the same. Please consult your own financial, legal and accounting advisors before engaging in any transactions.

Related Posts

Stop Payment – How to Cancel a Check & Stop Payment fees
There are many ways to request a stop payment, and the fee is different for each method. Most banks have the option to request a stop payment on the online banking website, computerized telephone banking, or customer service. A stop payment on a check is valid for six months.
How to cancel a lost or stolen check
How to Transfer Money From Bank to Bank in Few Steps
If you want to transfer money online, you need to establish a link between the two accounts involved. Bank transfers are common for people who own both a checking account and savings account in the same or different banks.
What Is a Prepaid Visa Card: Definition, Working and Usage
The possibilities for spending with Visa prepaid cards are truly endless. However, there are certain things to consider before starting to use them.



Get up to $1,000 for emergencies

Send Money, Pay Later™

Send money to anyone in the US

BFF - Better Financial Feed

Ger personalized financial insights

Credit Monitoring

Monitor and grow credit score

Cash back

Get up to 20% on everyday spends


Save up to 40% on car insurance

Job-Loss & Disability Protection

Get up to $1,000 for loss of income

Identity Theft Insurance

Insure up to $1 Million

Health Insurance

Coming Soon

File Taxes

File federal and state taxes at low cost

Tax Calculator

Quick estimate of your tax returns

Personal Loan

Get up to $1,000 for emergencies

High Yield Savings

Send money to anyone in the US

Save big on auto insurance - compare quotes now!

Zip Code:
Zip Code: