{"id":41932,"date":"2026-09-12T10:43:45","date_gmt":"2026-09-12T08:43:45","guid":{"rendered":"https:\/\/povnomad.com\/?p=41932"},"modified":"2026-09-12T10:43:45","modified_gmt":"2026-09-12T08:43:45","slug":"atm-fees-usa","status":"publish","type":"post","link":"https:\/\/povnomad.com\/en\/atm-fees-usa\/","title":{"rendered":"ATM Fees in the USA: $3 to $7, Except at These Four Machines"},"content":{"rendered":"

Most ATMs in the United States charge $3 to $3.75<\/strong> per withdrawal, rising to $6.95 in supermarkets and at petrol stations. Four operators charge nothing, and cardholders in the Global ATM Alliance withdraw at Bank of America completely free. Knowing which machine to look for saves $30 to $50 on a three-week trip.<\/p>\n

The machines that charge nothing<\/h2>\n\n\n\n\n\n\n\n\n
Operator<\/th>\nFee for foreign cards<\/th>\nMax per withdrawal<\/th>\n<\/tr>\n<\/thead>\n
Bank of America<\/strong><\/td>\n$0<\/strong> for Global ATM Alliance cards
$4 for everyone else<\/td>\n		$500<\/td>\n<\/tr>\n
Capitol Credit Union<\/strong><\/td>\n$0<\/td>\n$400<\/td>\n<\/tr>\n
PenFed Credit Union<\/strong><\/td>\n$0 for certain US credit union cards
$4 for everyone else<\/td>\n		$1,000<\/td>\n<\/tr>\n
Bank of Hawaii<\/strong><\/td>\n$0 or $5.20, depending on card type<\/td>\n$1,000<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

As of 12 September 2026. Per-operator figures come from the POVNOMAD fee dataset (ATM Fee Saver, as of 1 September 2026). The overall level was cross-checked on 12 September 2026: Bankrate puts the average US surcharge at around $3.20, and independent guides give $3 to $8 for foreign cards. Global ATM Alliance membership was confirmed for 2026. US operators must display the fee before you confirm \u2014 read it.<\/small><\/p>\n

The Global ATM Alliance is a group of banks that waive each other’s ATM fees: Bank of America, Barclays, BNP Paribas, Deutsche Bank, Scotiabank and Westpac<\/strong>. If your card was issued by any of them, Bank of America machines cost you no operator fee. Your own bank’s foreign transaction fee still applies.<\/p>\n

What the other machines cost<\/h2>\n\n\n\n\n\n\n\n\n\n\n\n\n
Operator<\/th>\nFee<\/th>\nMax per withdrawal<\/th>\n<\/tr>\n<\/thead>\n
Citibank, Capital One, Truist, Banco Popular, Oriental Bank<\/td>\n$3.00<\/td>\n$500 \u2013 1,000<\/td>\n<\/tr>\n
Chase<\/td>\n$3.50<\/td>\n$200 \u2013 1,000, varies by machine<\/td>\n<\/tr>\n
Citizens Bank<\/td>\n$3.00 \u2013 3.50<\/td>\n$500<\/td>\n<\/tr>\n
Wells Fargo<\/td>\n$3.50 \u2013 5.00<\/td>\nmax. 40 notes<\/td>\n<\/tr>\n
PNC<\/td>\n$3.75<\/td>\n$400 \u2013 800<\/td>\n<\/tr>\n
TD Bank<\/td>\n$3.00 \u2013 6.95<\/td>\n$5,000 per day<\/td>\n<\/tr>\n
M&T Bank<\/strong><\/td>\n$3.50 at branch machines
$6.95 in supermarkets and petrol stations<\/strong><\/td>\n		$200<\/td>\n<\/tr>\n
Travelex<\/strong><\/td>\n$6.95<\/strong><\/td>\nonly $100<\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

As of 12 September 2026, source as above. In the US Virgin Islands fees run $2.50 to $6.50 with limits around $200; on Guam and Hawaii, Bank of Guam, BankPacific and First Hawaiian charge $5.<\/small><\/p>\n

Travelex is the worst combination in the country: $6.95 on a $100 maximum is 7 percent<\/strong>. These machines sit in airport terminals and tourist areas precisely because that is where people take them without looking.<\/p>\n

The screen that trips up foreign cards: Checking, Savings or Credit<\/h2>\n

Nearly every US machine asks which account to draw from. This is a quirk of the American system, where one card can be linked to several accounts. Most foreign cards have no such split but are treated as a current account.<\/p>\n

Always choose “Checking”.<\/strong> “Savings” is usually declined for foreign cards, and “Credit” triggers a credit card cash advance, which typically carries a separate fee and accrues interest from day one.<\/p>\n

If a withdrawal is refused after you picked “Savings”, the card is almost never the problem. Try the same withdrawal again with “Checking”. The full walkthrough of every ATM screen is in With or without conversion?<\/a> \u2014 the screens are reproduced there.<\/p>\n

Two fees, not one<\/h2>\n

American machines display the operator surcharge before you confirm; that is required. What they do not display is the second charge: the conversion, if you accept the offer to be billed in your home currency.<\/p>\n

Decline it. On screen it reads “Without conversion”, “Decline conversion” or “Continue in USD”. Your own bank then converts at the Visa or Mastercard rate, which is materially better than any machine’s rate.<\/p>\n

The fee screen is also your free exit. If the machine wants $6.95, cancel \u2014 nothing is posted and the card is returned. There is almost always a bank branch nearby charging half that.<\/p>\n

Cash matters less than you might think<\/h2>\n

The United States is largely cashless. Cards and contactless work in restaurants, shops, petrol stations, hotels and public transport; many places no longer accept cash at all.<\/p>\n

Cash is realistically for tips where card is not offered, food trucks, some taxis, laundromats and parking meters. A couple of hundred dollars covers most trips.<\/p>\n

One American peculiarity worth planning for: prices are almost always displayed before<\/em> sales tax, which is added at the till and varies by state and city. And tipping is expected rather than optional in restaurants and bars, commonly 18 to 20 percent, usually added on the card slip.<\/p>\n

What your own bank adds<\/h2>\n

The dollar figures above are the US operator’s charge and apply whoever issued your card. On top, most banks add a foreign transaction fee, commonly around 1 to 3 percent, and some add a flat charge per withdrawal.<\/p>\n

With US limits often at $500, a flat charge from your own bank weighs heavily: two withdrawals mean paying it twice. Look up the foreign transaction fee as a percentage and the flat charge per withdrawal before you travel. We deliberately name no individual issuer’s terms; they change often, and only your bank can confirm them.<\/p>\n

Why you want a signal at the machine<\/h2>\n

Many banks now require approval through a push notification in their app for withdrawals abroad; with no data connection the card is declined regardless of which button you press. And with a sixfold spread between a credit union machine and a Travelex unit, checking the map first genuinely pays.<\/p>\n

A USA eSIM from POVNOMAD<\/a> starts at \u20ac2.50. Install it at home by QR code; validity starts when it first connects in the United States. Unlimited plans include tethering at no extra cost up to the daily allowance, after which the connection continues at 1 Mbit\/s.<\/p>\n

Frequently asked questions<\/h2>\n
\n

How much does it cost to withdraw cash in the USA?<\/h3>\n

Most machines charge $3 to $3.75 per withdrawal, rising to $6.95 in supermarkets, at petrol stations and at Travelex units. Bankrate puts the average US surcharge at around $3.20. Capitol Credit Union charges nothing, and Global ATM Alliance cardholders withdraw free at Bank of America. Your own bank’s fees come on top. As of 12 September 2026.<\/p>\n

What do Checking, Savings and Credit mean at a US ATM?<\/h3>\n

It is the question of which account to draw from, and it reflects the American system where one card can link to several accounts. For foreign cards, Checking<\/strong> is always the right answer. “Savings” is usually declined, and “Credit” triggers a credit card cash advance with a separate fee and interest from day one.<\/p>\n

Can I withdraw cash for free in the USA?<\/h3>\n

Yes, in two situations. Capitol Credit Union machines charge nothing for any foreign card. And if your card was issued by Bank of America, Barclays, BNP Paribas, Deutsche Bank, Scotiabank or Westpac, the Global ATM Alliance means Bank of America machines charge no operator fee. Everyone else pays $4 there.<\/p>\n

Which ATM is most expensive in the USA?<\/h3>\n

Travelex, at $6.95 with a $100 maximum \u2014 an effective 7 percent, the worst combination in the country. M&T Bank also charges $6.95 at supermarket and petrol station machines, against $3.50 at its own branches. These units sit in airports and tourist areas for exactly that reason.<\/p>\n

How much can I withdraw at once in the USA?<\/h3>\n

Commonly $500, though it ranges from $100 at Travelex to $1,000 at PenFed and Bank of Hawaii. Chase varies by machine between $200 and $1,000, and Wells Fargo caps by note count at 40 notes. Your own card’s daily limit is often the binding constraint rather than the machine.<\/p>\n

What should I press at a US ATM?<\/h3>\n

Choose “Checking” at the account question, check the displayed surcharge, and if the machine offers to bill you in your home currency, decline: “Without conversion”, “Decline conversion” or “Continue in USD”. Cancelling at the fee screen costs nothing \u2014 the card is returned and nothing is posted.<\/p>\n

Do I need cash in the USA?<\/h3>\n

Less than in most destinations. Cards and contactless work nearly everywhere, and some venues no longer take cash at all. Keep some for tips where card is not offered, food trucks, laundromats and parking meters. Note that displayed prices exclude sales tax, and restaurant tipping of 18 to 20 percent is expected.<\/p>\n

Will my debit card work in the USA?<\/h3>\n

Yes, provided it carries Visa or Mastercard and your bank has enabled withdrawals outside your home region. Maestro-only cards are frequently rejected in the United States, so bring a credit card as backup. Check in your online banking before you travel that international use is switched on.\n<\/p><\/div>\n","protected":false},"excerpt":{"rendered":"

Most ATMs in the United States charge $3 to $3.75 per withdrawal, rising to $6.95 in supermarkets and at petrol stations. Four operators charge nothing, and cardholders in the Global ATM Alliance withdraw at Bank of America completely free. Knowing which machine to look for saves $30 to $50 on a three-week trip. The machines that charge nothing Operator Fee for foreign cards Max per withdrawal Bank of America $0 for Global ATM Alliance cards$4 for everyone else $500 Capitol Credit Union $0 $400 PenFed Credit Union $0 for certain US credit union cards$4 for everyone else $1,000 Bank of Hawaii $0 or $5.20, depending on card type $1,000 As of 12 September 2026. Per-operator figures come from the POVNOMAD fee dataset (ATM Fee Saver, as of 1 September 2026). The overall level was cross-checked on 12 September 2026: Bankrate puts the average US surcharge at around $3.20, and independent guides give $3 to $8 for foreign cards. Global ATM Alliance membership was confirmed for 2026. US operators must display the fee before you confirm \u2014 read it. The Global ATM Alliance is a group of banks that waive each other’s ATM fees: Bank of America, Barclays, BNP Paribas, Deutsche Bank, Scotiabank and Westpac. If your card was issued by any of them, Bank of America machines cost you no operator fee. Your own bank’s foreign transaction fee still applies. What the other machines cost Operator Fee Max per withdrawal Citibank, Capital One, Truist, Banco Popular, Oriental Bank $3.00 $500 \u2013 1,000 Chase $3.50 $200 \u2013 1,000, varies by machine Citizens Bank $3.00 \u2013 3.50 $500 Wells Fargo $3.50 \u2013 5.00 max. 40 notes PNC $3.75 $400 \u2013 800 TD Bank $3.00 \u2013 6.95 $5,000 per day M&T Bank $3.50 at branch machines$6.95 in supermarkets and petrol stations $200 Travelex $6.95 only $100 As of 12 September 2026, source as above. In the US Virgin Islands fees run $2.50 to $6.50 with limits around $200; on Guam and Hawaii, Bank of Guam, BankPacific and First Hawaiian charge $5. Travelex is the worst combination in the country: $6.95 on a $100 maximum is 7 percent. These machines sit in airport terminals and tourist areas precisely because that is where people take them without looking. The screen that trips up foreign cards: Checking, Savings or Credit Nearly every US machine asks which account to draw from. This is a quirk of the American system, where one card can be linked to several accounts. Most foreign cards have no such split but are treated as a current account. Always choose “Checking”. “Savings” is usually declined for foreign cards, and “Credit” triggers a credit card cash advance, which typically carries a separate fee and accrues interest from day one. If a withdrawal is refused after you picked “Savings”, the card is almost never the problem. Try the same withdrawal again with “Checking”. The full walkthrough of every ATM screen is in With or without conversion? \u2014 the screens are reproduced there. Two fees, not one American machines display the operator surcharge before you confirm; that is required. What they do not display is the second charge: the conversion, if you accept the offer to be billed in your home currency. Decline it. On screen it reads “Without conversion”, “Decline conversion” or “Continue in USD”. Your own bank then converts at the Visa or Mastercard rate, which is materially better than any machine’s rate. The fee screen is also your free exit. If the machine wants $6.95, cancel \u2014 nothing is posted and the card is returned. There is almost always a bank branch nearby charging half that. Cash matters less than you might think The United States is largely cashless. Cards and contactless work in restaurants, shops, petrol stations, hotels and public transport; many places no longer accept cash at all. Cash is realistically for tips where card is not offered, food trucks, some taxis, laundromats and parking meters. A couple of hundred dollars covers most trips. One American peculiarity worth planning for: prices are almost always displayed before sales tax, which is added at the till and varies by state and city. And tipping is expected rather than optional in restaurants and bars, commonly 18 to 20 percent, usually added on the card slip. What your own bank adds The dollar figures above are the US operator’s charge and apply whoever issued your card. On top, most banks add a foreign transaction fee, commonly around 1 to 3 percent, and some add a flat charge per withdrawal. With US limits often at $500, a flat charge from your own bank weighs heavily: two withdrawals mean paying it twice. Look up the foreign transaction fee as a percentage and the flat charge per withdrawal before you travel. We deliberately name no individual issuer’s terms; they change often, and only your bank can confirm them. Why you want a signal at the machine Many banks now require approval through a push notification in their app for withdrawals abroad; with no data connection the card is declined regardless of which button you press. And with a sixfold spread between a credit union machine and a Travelex unit, checking the map first genuinely pays. A USA eSIM from POVNOMAD starts at \u20ac2.50. Install it at home by QR code; validity starts when it first connects in the United States. Unlimited plans include tethering at no extra cost up to the daily allowance, after which the connection continues at 1 Mbit\/s. Frequently asked questions How much does it cost to withdraw cash in the USA? Most machines charge $3 to $3.75 per withdrawal, rising to $6.95 in supermarkets, at petrol stations and at Travelex units. Bankrate puts the average US surcharge at around $3.20. Capitol Credit Union charges nothing, and Global ATM Alliance cardholders withdraw free at Bank of America. Your own bank’s fees come on top. As of 12 September 2026. What do Checking, Savings and Credit mean at a US ATM? It is the question<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"_uag_custom_page_level_css":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[2940],"tags":[],"class_list":["post-41932","post","type-post","status-publish","format-standard","hentry","category-sim-guide"],"yoast_head":"\nATM Fees USA: Costs and What to Press - POVNOMAD - Your Travel Companion<\/title>\n<meta name=\"description\" content=\"US ATMs charge $3 to $6.95 per withdrawal. 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