Help Center: E*TRADE Bank ATM Refund Policy

No ATM fees – any machine, any bank, anywhere nationwide via unlimited ATM fee refunds

E*TRADE Bank will not charge you a fee for withdrawing funds from any ATM nationwide, but the owner/ operator of the ATM may. E*TRADE Bank will refund the amount of the owner/operator's fee by the end of the same day that the withdrawal occurred to your eligible account1 if you meet any of the following conditions:
  • You have a Max-Rate Checking account;
  • Your total balance in either your E*TRADE® Money Market Account or Independent Checking Account is $5,000 or more after the completion of the transaction;
  • You have $50,000 or more in cash and securities in your linked E*TRADE Bank Accounts, E*TRADE Securities accounts and employee stock plan accounts (including vested in-the-money options, stock option plan shares, ESPP shares, and released restricted stock); or
  • You execute at least 30 stock or options trades per calendar quarter in your E*TRADE Securities account
Two transactions will appear on your statement. There will be a transaction for the total withdrawal (ATM fee plus withdrawal amount) and a second transaction for the refund of the ATM fee. Note that the online transaction history and the new available balance may not appear updated until the following morning.

1 E*TRADE Checking account ATM withdrawals are not eligible for ATM fee refunds