Find an ATM that does not charge a fee by using the ATM locator tool from your bank or financial institution to find one that it owns, or one that is part of its affiliated network. Most institutions explain the types of ATMs available fee-free to customers, with many only displaying these ATMs through its official locator tools, as of 2015.
Financial institutions that own their own ATMs typically do not charge any usage fees for customers of that institution, such as a Bank of America checking account holder withdrawing funds from a Bank of America ATM. To locate these ATMs, customers can visit the website for the institution and access its locations page, which may appear via a link in the main navigation bar or in the footer. These tools often allow users to specify the type of location for the search, with ATM typically appearing with a check box at the top of the tool.
Some financial institutions do not own their own ATMs and instead partner with an ATM network, such as AllPoint, in order to offer free transactions to customers. While many of these institutions also offer ATM locator tools through their websites, it is also possible to find an ATM through the locator tool for that network. Many ATM networks and financial institutions also offer ATM locator tools through smartphone apps, which use the phone's GPS to find nearby locations.