It’s no secret that costs continue to go up, while our wages seem to be stagnate. We’re keeping tabs on how everyday costs hit our wallets here in the metro area. Atlanta continues to top the charts for the highest average ATM fees in the nation, a trend that’s persisted for years and shows no signs of slowing in 2026.

According to the latest data from Bankrate’s 2025 Checking Account and ATM Fee Study (with trends carrying into early 2026), Atlantans face an average combined out-of-network ATM fee of $5.37 per transaction.

That’s well above the national average of $4.86, which itself hit a record high for the third straight year—up from $4.77 in 2024.This combined fee typically breaks down into two parts:

  • An average surcharge of around $3.22 charged by the ATM owner (often independent operators or non-network banks).
  • A fee of about $1.64 from your own bank or credit union for using an out-of-network machine.

Back in 2020, Atlanta’s average was already a steep $5.60, and while national fees have climbed steadily, our city has consistently ranked #1 among major metro areas surveyed.

High-traffic urban spots like Phoenix and San Diego trail close behind, but Atlanta holds the unwelcome top spot.

Why the persistent high costs here? Dense population, heavy reliance on out-of-network machines in convenience stores, gas stations, and bars, plus fewer free options in some neighborhoods all contribute. With cash still used for tips, small purchases, or events, these fees add up fast—especially if you’re withdrawing multiple times a month.How to Dodge Those Fees in AtlantaThe good news? You don’t have to pay them. Here are practical ways locals are avoiding ATM charges:

  • Stick to your bank’s or credit union’s network. Many institutions offer wide access through alliances like Allpoint (over 55,000 fee-free ATMs nationwide) or CO-OP Shared Branch networks.
  • Get cash back at checkout. Use your debit card for purchases at grocery stores, pharmacies, or retailers like Kroger, Publix, or Walmart—most don’t charge extra, and your bank usually doesn’t either.
  • Switch to fee-friendly local options. Atlanta-area credit unions often shine here:
    • Delta Community Credit Union (serving metro Atlanta since 1940) provides access to extensive surcharge-free ATMs via shared networks, plus strong mobile banking.
    • Georgia’s Own Credit Union offers fee-free access through large networks and competitive accounts with no hidden charges.
    • CDC Federal Credit Union focuses on low-fee checking and easy ATM access for members in DeKalb, Fulton, and Gwinnett.
  • Look for reimbursement perks. Some online or national banks (like Ally or others available to Georgians) refund out-of-network fees up to a limit, or provide broad free ATM access.
  • Opt for free checking accounts. Nearly half of non-interest checking accounts nationwide are free (or become free with direct deposit), avoiding monthly maintenance that compounds ATM issues.

ATM fees keep rising as operators cover costs and fewer people rely on cash, but smart choices can keep more money in your pocket. Stay informed on local banking options—your next withdrawal could be fee-free.

Are you trying to become more financially literate? Check out Money Mondays at AtlantaFi.com, where we’ll share strategies to save and make cash.

If saving money is something you’re serious about, AtlantaFi.com has a lot of resources to help you. For the latest on Atlanta’s financial scene, check back with us. What’s your go-to strategy for skipping ATM fees? Drop a comment below!

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