The average fee charged by large banks for using an out-of-network ATM is about $1.58 per transaction. However, this is only the fee your own bank charges. The ATM owner typically adds an additional surcharge averaging $3.19. Combined, the total average cost for a single out-of-network ATM withdrawal is approximately $4.77 as of 2024, which is the highest since tracking began in 1998
. To summarize:
- Average fee charged by your bank for out-of-network ATM use: $1.58
- Average surcharge charged by the ATM owner: $3.19
- Total average combined fee per transaction: $4.77
Some large national banks charge specific fees in the range of $2.50 to $3.50 for out-of-network ATM use, for example:
- Bank of America: $2.50
- Chase: $3 to $5
- Wells Fargo: $2.50
- PNC Bank: $3
- Huntington Bank: $3.50
These fees are part of the bank’s portion of the total charge and do not include the ATM owner surcharge
The fees vary by location, with cities like Atlanta reaching averages above $5, while places like Boston have lower fees around $4.16
. In summary, when using an out-of-network ATM, expect to pay roughly $4.77 on average, combining your bank’s fee and the ATM operator’s surcharge.
