Out-of-network ATM fees by US bank
Your bank can charge a fee for using a machine it does not own, and the owner of that machine can charge another fee. This page is the dollar each bank prints for its own fee. The rules for those two charges, without a bank-by-bank table, are on a different page. Match the account name. A different account at the same bank can cost a different amount.
Last checked: Oct 2026
The fee each bank prints
Opened 16 October 2026. The amount below is the bank's own fee. The machine owner can still add a surcharge, and several of these pages say so. ATM fees in the US and Canada explains that split. This table does not copy a surcharge from someone else's receipt.
| Account | Fee the page prints | What the same page also says |
|---|---|---|
| Chase Total Checking | $3 in the U.S., $5 outside | $3 per withdrawal at a non-Chase ATM in the U.S. and U.S. territories. $5 per withdrawal outside the U.S. and those territories. Chase ATMs are $0. Surcharge fees from the ATM owner or network still apply. A foreign exchange rate adjustment from Chase may apply when the withdrawal is not in U.S. dollars. |
| Bank of America personal accounts | $2.50 in the U.S., $5.00 abroad | Withdrawals and transfers at a non-Bank of America ATM. The schedule is effective August 7, 2026. Bank of America ATMs have no ATM fee. The owner or network may also charge. Preferred Plus can waive one U.S. withdrawal and one transfer per statement cycle and refund one operator fee of each. Preferred Honors and Premier waive the bank's U.S. fee and refund the operator fee. Premier also waives the foreign-country fee. |
| Wells Fargo Everyday Checking | $3.00 in the U.S., $5.00 outside | Cash withdrawals at non-Wells Fargo ATMs. Wells Fargo ATMs are $0. The operator may also charge. The Everyday summary is marked effective July 28, 2026. The consumer schedule says Prime and Premier waive Wells Fargo's non-Wells Fargo withdrawal fee. This row is Everyday Checking. |
| Citi Regular Checking and Access Checking | $2.50 per withdrawal | The compare page prints that fee for Regular Checking or Access Checking at a non-Citi ATM. It prints no non-Citi ATM fee for the higher columns, and it says the fee is waived for Citigold Private Client, Citigold, and Citi Priority. The owner can still charge a surcharge outside the fee-free network. |
| U.S. Bank, consumer pricing | $3.00 | Each non-U.S. Bank ATM transaction, international or domestic, including a withdrawal, balance inquiry, transfer, or deposit. A U.S. Bank ATM is no charge. The schedule is effective August 10, 2026. Smartly Checking waives the first two non-U.S. Bank ATM transactions per statement period. The owner may add a surcharge. MoneyPass can refund that surcharge if you call, and U.S. Bank may still charge its $3.00 transaction fee there. |
| PNC, other than Performance Select | $3.00, or $5.00 farther away | The consumer schedule is effective February 22, 2026. PNC ATMs are no charge. Non-PNC ATMs in the United States, Canada, Puerto Rico, and the U.S. Virgin Islands are $3.00 each for accounts other than Performance Select. All other countries are $5.00 each. Performance Select is no charge in both places. Virtual Wallet is in the $3.00 and $5.00 group, not the Performance Select group. |
| Capital One 360 Checking | No extra Capital One fee | The page says Capital One does not charge additional fees for out-of-network ATM use, and the out-of-network owner may. It also says cash is available at 70,000+ fee-free Capital One, MoneyPass, and Allpoint ATMs. That count was last updated September 18, 2026. |
| TD Bank in the U.S. | $3.00 | Each withdrawal and transfer at a non-TD ATM. A balance inquiry is free. TD ATMs in the U.S. and Canada are free. Beyond Checking waives TD's non-TD ATM fee, and it reimburses the owner's surcharge when the minimum daily balance stays at least $2,500. Complete Checking waives the non-TD fee when the primary owner is 17 through 23. |
| Citizens, other than EverValue | $3 per withdrawal | The personal fees guide, marked Rev Oct 2026, prints $3 for each withdrawal at a non-Citizens ATM. EverValue Checking is $2.50 for withdrawals, transfers, balance inquiries, and mini-statements where available. The ATM owner may still charge. |
Banks not in this table
Truist One Checking's page did not print an out-of-network dollar on 16 October 2026. Huntington's checking page returned an error. Regions is not here because the LifeGreen fee PDF did not open. This page does not fill those rows from memory.
A stop payment is a different fee. Those dollars are in stop payment fees in the US and Canada. How fees show on a US statement is where an ATM line sits next to a monthly fee.
Questions
- Is the number in the table the only fee on the withdrawal?
- No. It is the fee that bank prints for itself. The owner of the machine can add a surcharge. Chase, Bank of America, Wells Fargo, U.S. Bank, and Citizens say that on the pages used here.
- Does every account at the bank pay the same ATM fee?
- No. Citi's everyday tiers print $2.50 and the higher relationship tiers print no non-Citi ATM fee. PNC Performance Select prints no charge where other accounts print $3.00 or $5.00. TD Beyond Checking can waive the non-TD fee.
- Why are Truist, Huntington, and Regions missing?
- The Truist page opened on 16 October 2026 did not print an out-of-network dollar. Huntington's page returned an error. The Regions LifeGreen fee PDF did not open. This table does not guess.
Sources
- Chase Total Checking fees
- Bank of America personal schedule of fees
- Wells Fargo Everyday Checking fee summary
- Citi: compare bank accounts
- U.S. Bank consumer pricing information (PDF)
- PNC consumer schedule of service charges
- Capital One 360 Checking
- TD Bank personal fee schedule (PDF)
- Citizens personal deposit account fees (PDF)
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