U.S. Bank ATM fee is $3.00
By Karla CastroUpdated October 31, 2026
U.S. Bank's consumer pricing information, effective August 10, 2026, prints no charge at a U.S. Bank ATM. A non-U.S. Bank ATM transaction, international or domestic, is $3.00 each. The other ATM's owner can add a surcharge.
The $3.00 transaction fee
Opened 31 October 2026. Under ATM and debit card fees, a U.S. Bank ATM transaction is no charge. A non-U.S. Bank ATM transaction, international or domestic, is $3.00. The fee covers each withdrawal, balance inquiry, funds transfer, or deposit. A non-U.S. Bank ATM is any ATM that does not display the U.S. Bank logo. U.S. Bank can charge the fee more than once in a single ATM session if you do more than one transaction.
Smartly Checking waives the fee on the first two non-U.S. Bank ATM transactions per statement period. Higher Smartly tiers on that PDF waive all of those transaction fees. The $3.00 is the fee before those waivers.
The owner's surcharge
The PDF says non-U.S. Bank ATM owners may add a surcharge. MoneyPass is a surcharge-free network. If a MoneyPass ATM still charges a surcharge, the PDF says to call 800-USBANKS (872-2657) for a refund of that surcharge. U.S. Bank may still assess the $3.00 transaction fee at a MoneyPass ATM. The call refunds the owner's surcharge. It is not a promise to refund the $3.00.
Use a U.S. Bank ATM, including a partner ATM that displays the U.S. Bank logo, if you want the no-charge line. A machine without that logo is the $3.00 line unless the account's waiver covers it.
Upload the statement on Expenvo. The PDF stays on your device. Expenvo lists the lines. It does not sign in to the bank, and it does not move the money.
Questions
- How much is a non-U.S. Bank ATM?
- The consumer pricing PDF effective August 10, 2026 prints $3.00 for each non-U.S. Bank ATM transaction, international or domestic.
- Does Smartly Checking waive it?
- The PDF waives the fee on the first two non-U.S. Bank ATM transactions per statement period for Smartly Checking. Higher tiers on that page waive all of them.
- Will U.S. Bank refund the owner's surcharge?
- If a MoneyPass ATM charges a surcharge, the PDF says to call 800-USBANKS for a refund of that surcharge. The $3.00 transaction fee can still apply.