Compare bank accounts with free ATM access | finder.com

Compare bank accounts with free ATM access

If ATM fees get you down, use these tips to keep your bank account balance up.

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Nearly everyone has found themselves begrudgingly spending several dollars just to use an ATM. While four or five bucks here or there doesn’t sound like that much, over time those fees can start to add up. If ATM fees are frustrating you, there are a few things you can do to keep them down.

Editor's pick: Axos Bank Rewards Checking

  • Earn up to 1.25% APY
  • No monthly maintenance fees
  • Unlimited domestic ATM fee reimbursements

Editor's pick: Axos Bank Rewards Checking

Earn up to 1.25% APY while enjoying a suite of digital tools for smarter money management.

  • Earn up to 1.25% APY
  • No monthly maintenance fees
  • Unlimited domestic ATM fee reimbursements

Top ways to get free ATM access

Get an account with a fee-free bank

Believe it or not, some banks will let you use any ATM for free and even reimburse you for fees other banks charge. Bank of America offers several fee-free checking account options. Chase, Bank of America, Citibank and Wells Fargo all also offer accounts with unlimited ATM reimbursements, but they have high account minimums — the lowest is Bank of America with a $10,000 minimum.

Use an ATM that belongs to your bank

Even if you can’t use any ATM you want for free, most banks won’t charge you to use their own machines. If you choose a bank with a large network of ATMs, it’ll be easier to stop at an in-network machine when you need cash.

  • Chase Bank. Over 16,000 ATMs across the country.
  • Wells Fargo. Over 13,000 ATMs across the country.
  • Bank of America. Over 16,000 ATMs across the country.
  • Citibank. Over 55,000 banks worldwide as part of the Allpoint network.
  • Capital One. Over 55,000 banks worldwide as part of the Allpoint network.

Use a partner ATM

Some banks join ATM networks, where they partner up with other banks to share ATM machines, greatly increasing how many fee-free machines members have access to. For example, a number of smaller banks and credit unions are part of the SUM network, which gives its members access to thousands of surcharge-free ATMs, even if their financial institution only has machines in a small area. NYCE, PULSE and STAR are other common ATM networks in the US.

Get reimbursed for ATM fees

Some banks, like USAA, BankFive and Ally, offer checking accounts that will reimburse you up to a certain amount — usually $10 or $15 — for fees you get from out-of-network ATM machines.

Compare bank accounts with free ATM access

Name Product Monthly fee ATMs ATM transaction fee Out-of-network ATM fee ATM fee rebates Foreign transaction fee
$0
Free to use anywhere worldwide
$0
$0
1%
A spend and save combo account with no monthly service fees, free access to every ATM in the world, unlimited cash back rewards and deposits insured by the FDIC. The Aspiration Spend & Save Account is a cash management account offering of Aspiration Financial, LLC, an SEC-registered broker-dealer. Aspiration is not a chartered bank.
$0
ATM fees reimbursed at any ATM nationwide
$0
$0
Axos Bank will reimburse all domestic ATM fees you incur within one business day
Earn up to 1.25% APY while enjoying a suite of digital tools for smarter money management.
$0
More than 2,400 ATMs in over 700 Citibank branches
$0
$0
Unlimited refunds of non-Citi ATM fees
3%
Banking and wealth management from a Big Four bank.
$0
$0
$0
Unlimited ATM fee rebates apply to cash withdrawals using the Schwab Bank Visa Platinum Debit Card wherever it is accepted
0%
Linked to a Schwab One brokerage account, this no-ATM-fee checking account can make managing all your finances simpler.
$0
ATM fees reimbursed at any ATM nationwide
$0
Unlimited domestic ATM fee reimbursements
No fees. Unlimited domestic ATM fee reimbursements.
$0
Anywhere Mastercard is accepted
$0
Use your business debit card anywhere Mastercard® is accepted, with no monthly fees, sign-up fees, or annual fees.

Compare up to 4 providers

Name Product Monthly fee ATMs ATM transaction fee Out-of-network ATM fee ATM fee rebates Foreign transaction fee
$0
Free at 65,000 ATMs nationwide (USAA, Allpoint, MoneyPass, PNC)
$0
$2
Up to $15 in other US banks' ATM usage fees; not applicable for the month in which the account is closed
1%
An online checking account means no driving around town, no waiting in line and no bankers' hours.
$0
39,000+ Capital One and Allpoint ATMs nationwide
$0
$0
0%
A fee-free online checking account you can use anytime, anywhere.
$0
$0
Fees may be imposed by the owner or operator of the ATM or network.
1%
It’s free to maintain and can fund investments instantly.
$0
Over 80,000 fee-free ATMs
$0
15
Account will boost your money’s productivity with a high yield, no monthly maintenance fee and the essential banking services your business needs.
$0
Surcharge-free Umpqua ATMs in all of the network's 5 states, plus up to $10 per month in ATM fee rebates
$0
$2.50
Up to $10 in fee rebates if you maintain a monthly account balance of at least $2,500
2%
Simple and straightforward, a checking account for anyone looking for no-frills banking.
$0
$0
$2.50
A real debit card. For the real world. Take your Venmo balance shopping.

Compare up to 4 providers

Name Product ATMs ATM transaction fee Out-of-network ATM fee ATM fee rebates APY
Betterment Everyday Savings
Betterment Everyday Savings
Every ATM worldwide
$0
$0
Get ATM fees reimbursed worldwide with Checking
2.44%
At a 2.44% APY if you join the waitlist for Betterment Everyday Checking or 2.19% if you don't, this is a high-interest FDIC-insured savings account seamlessly tied into Betterment's investment robo-advisor.
Free at more than 9,000 PNC ATMs nationwide
$0
$3
2.35%
A high interest savings, a short-term savings and a checking account, paired with digital money management tools – all working together to help you better manage your financial life.
$0
$2
$15 per statement cycle
2.35%
With industry-leading checking and savings rates and fully insured balances, Salem Five Direct delivers competitive opportunities to save, protect and manage your money.
$0
No
2.35%
An online savings account designed to work harder to help you achieve your financial goals.
Over 55,000 ATMs worldwide
$0
2.15%
This High Rate Online Savings Account requires a low minimum daily balance, making earning interest easy.
$0
2.10%
No monthly fees or minimum balance requirements, and you can even open an account with as little as $1.

Compare up to 4 providers

Name Product Monthly fee ATMs ATM transaction fee Out-of-network ATM fee ATM fee rebates Foreign transaction fee
$0
15
1%
An online checking account means no driving around town, no waiting in line and no bankers' hours.
$0
1,000 fee-free ATMs across the country
$0
$3
For $5 a month, you can get up to four ATM fee rebates
3%
Pay a $0 monthly service charge and get free access to BBVA Compass ATMs.
$0
Over 80,000 surcharge-free ATMs inside Alliant Credit Union’s nationwide ATM network
$0
Receive up to $20 in monthly fee rebates when you use an ATM outside Alliant’s ATM network
1%
High-Interest Checking with no monthly service fees
$0
Over 30,000 ATMs and access to over 5,000 shared branches
$0
In order to get reimbursed for ATM fees, you’ll need to meet the requirements to earn 3.09% APY.
Paying one of the highest yields nationwide while offering all the conveniences you deserve.
$0
Use any of the 32,000+ MoneyPass ATMs in the US for free
$0
$0
Up to $12 monthly for ATM fees other banks charge you
0%
Forget the hidden fees and fine print — this checking account has neither.
$0
ATM fees reimbursed at any ATM nationwide
$0
Unlimited domestic ATM fee reimbursements
No fees. Unlimited domestic ATM fee reimbursements.

Compare up to 4 providers

Other ways you can avoid ATM fees

ATM locator tools

Financial institutions have tools on their sites and mobile banking apps to use to find the closest ATM or branch for free withdrawals.

Get cash over the counter

Most major grocery stores, drugstores and gas stations will let you get cash back if you make a purchase. Some stores offer this for free, while others have a surcharge — usually lower than ATM fees.

Bottom line

It costs ATM operators a fraction of the fee they charge consumers to use an ATM — and those fees get higher every year. Every dollar counts, so save your money by getting a fee-free checking account or using in-network ATMs.

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