ATM Fees in United States
US Dollar (USD) • Updated April 2026
USA has universal card acceptance. Tipping 18-20% expected. Healthcare expensive. Country spans 6 time zones. Driving often necessary outside cities.
Tips for United States
- • Tip 18-20% at restaurants
- • Prices exclude tax
- • Healthcare very expensive
- • Get travel insurance
- • Rent car for national parks
Airport tips
- • ATMs everywhere
- • Cards accepted universally
- • Uber/Lyft available at most airports
Don't forget your home bank fees
The fees shown above are charged by local ATMs. Your home bank may also charge additional fees for international withdrawals (typically 1-3% + a flat fee). Check with your bank before traveling.
Estimated daily expenses
How much cash you might need per day in United States, per person.
Backpacker
Hostels, street food, public transport
USD/day
≈ $90.00-200 USD
Mid-range
Hotels, restaurants, mix of transport
USD/day
≈ $250-500 USD
Luxury
Premium hotels, fine dining, private transport
USD/day
≈ $750-1,700 USD
Cash vs card acceptance
Where you'll need cash and where cards work in United States.
Credit card acceptance
ExcellentCards accepted universally. Tap-to-pay/Contactless is now standard, though some sit-down restaurants still take cards away to swipe. Cash rarely needed.
You'll need cash for
- • Some food trucks
- • Tips
- • Street vendors
Cards usually accepted
- • Everywhere
💰 Cheapest banks for foreign cards
These banks charge the lowest fees for withdrawals with foreign cards.
| Bank | ATM Fee | Est. Cost | Branches | |||
|---|---|---|---|---|---|---|
| Chase | 0-3 USD | 0% | Visa/MC rate | 0 USD | 4,700 | Largest bank |
| Bank of America | 0-3 USD | 0% | Visa/MC rate | 0 USD | 4,000 | Global ATM Alliance |
📍 Most widely available ATMs
Sorted by number of ATM locations. More branches means easier access, but fees may be higher.
| Bank | ATM Fee | Est. Cost | Branches | |||
|---|---|---|---|---|---|---|
| Chase | 0-3 USD | 0% | Visa/MC rate | 0 USD | 4,700 | Most branches |
| Bank of America | 0-3 USD | 0% | Visa/MC rate | 0 USD | 4,000 | Global ATM Alliance |
🌐 ATM Alliance Benefits: If you bank with a member of these alliances, you may get reduced or waived ATM fees in United States:
View all ATM alliances →