Compare bank accounts with free ATM access

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.

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

Checking: Free everywhere

Sort by:

Name	Product	Fee	ATMs	ATM transaction fee	Out-of-network ATM fee	ATM fee rebates	Foreign transaction fee
Axos Bank Essential Checking		$0 per month	ATM fees reimbursed at any ATM nationwide	$0		Unlimited domestic ATM fee reimbursements		No fees. Unlimited domestic ATM fee reimbursements.	Go to site More Info	Compare	loading Fetching your data...
Axos Bank Rewards Checking		$0 per month	ATM fees reimbursed at any ATM nationwide	$0	$0	Axos Bank will reimburse all domestic ATM fees you incur within one business day	1%	Earn up to 1.25% APY while enjoying a suite of digital tools for smarter money management.	Go to site More Info	Compare	loading Fetching your data...
Aspiration Spend & Save Account		From $0 per month	55,000 free in-network ATMs	$0	$0		1%	Deposits are fossil fuel-free. A spend and save combo account with unlimited cash back rewards and deposits insured by the FDIC.	Go to site More Info	Compare	loading Fetching your data...
Radius Bank Rewards Checking		$0 per month	More than 20,000 ATMs + unlimited ATM surcharge rebates	$0	$0	Unlimited automatic ATM surcharge rebates for ATM fees other banks charge you		Earn cash back with this high-interest checking account, plus get free ATM access worldwide.	Go to site More Info	Compare	loading Fetching your data...
Transferwise Multi-currency		$0 per month	Free at any ATM in the world		$0	Two free ATM withdrawals up to $100 every 30 days. After that, $1.50 per transaction	0%	Send and receive 50+ currencies right from your phone, but with a better exchange rate and low fees.	Go to site More Info	Compare	loading Fetching your data...

loading

Compare up to 4 providers

Clear selection

Compare

Checking: Free within network

Sort by:

Name	Product	Fee	ATMs	ATM transaction fee	Out-of-network ATM fee	ATM fee rebates	Foreign transaction fee
Chime Spending account		$0 per month	38,000 fee-free ATMs nationwide	$0	$2.50		0%	Get rid of fees with this mobile-first bank offering consumer-friendly accounts. Chime can also help you save easily and access your paycheck faster.	Go to site More Info	Compare	loading Fetching your data...
HSBC Premier Checking		$50 per month	Free to use at all ATMs in the US	$0	$0		0%	Get a 3% cash bonus, up to $600 (max. $100 per month) during first six months after account opening. Must open HSBC Premier checking account through offer page by September 30, 2020, and set up qualifying direct deposits into the new account. Conditions apply. Deposit products are offered in the US by HSBC Bank USA, N.A. Member FDIC.	Go to site More Info	Compare	loading Fetching your data...
BBVA Online Checking		$0 per month	No ATM fees nationwide at more than 64,000 AllPoint, participating 7-Eleven and BBVA USA ATMs	$0	$3		3%	A full-service account with convenient, surcharge-free access to two massive ATM networks.	Go to site More Info	Compare	loading Fetching your data...
Axos Bank Essential Checking		$0 per month	ATM fees reimbursed at any ATM nationwide	$0		Unlimited domestic ATM fee reimbursements		No fees. Unlimited domestic ATM fee reimbursements.	Go to site More Info	Compare	loading Fetching your data...
Axos Bank Rewards Checking		$0 per month	ATM fees reimbursed at any ATM nationwide	$0	$0	Axos Bank will reimburse all domestic ATM fees you incur within one business day	1%	Earn up to 1.25% APY while enjoying a suite of digital tools for smarter money management.	Go to site More Info	Compare	loading Fetching your data...
Aspiration Spend & Save Account		From $0 per month	55,000 free in-network ATMs	$0	$0		1%	Deposits are fossil fuel-free. A spend and save combo account with unlimited cash back rewards and deposits insured by the FDIC.	Go to site More Info	Compare	loading Fetching your data...
OnJuno		From $0 per month	more than 85,000 ATMs nationwide	$0	$0	get one non-network ATM reimbursements on the Basic plan and three reimbursements on the Metal plan	0%	OnJuno embraces an open banking system for everyone, regardless of their age, location, or income.	Go to site More Info	Compare	loading Fetching your data...
HSBC Advance Checking		$25 per month	Surcharge-free HSBC ATMs nationally and internationally, plus up to four rebates a month for using non-HSBC ATMs in all US states except New York	$0		Up to four a month for using non-HSBC ATMs in all US states except New York	3%	Get up to $270 (max. $50 per month) for eligible new customers who open an HSBC Advance checking account. Conditions apply. Deposit products are offered in the US by HSBC Bank USA, N.A. Member FDIC.	Go to site More Info	Compare	loading Fetching your data...

loading

Compare up to 4 providers

Clear selection

Compare

Savings: Free within network

Sort by:

Name	Product	ATMs	ATM transaction fee	Out-of-network ATM fee	ATM fee rebates	APY
Betterment Everyday Cash Reserve		Every ATM worldwide	$0	$0	Get ATM fees reimbursed worldwide with Checking	0.40%	This savings account has no account and overdraft fees, plus it requires no minimum balance.	Go to site More Info	Compare	loading Fetching your data...
Radius Bank High-Yield Savings		More than 20,000 ATMs	$0	$0		0.25% on balances of $25,000+ 0.15% on balances of $2,500 to $24,999.99 0.05% on balances of $10 to $2,499.99	A free high-interest savings account with a $100 minimum deposit to open	Go to site More Info	Compare	loading Fetching your data...
Chime Savings		38,000 fee-free ATMs nationwide	$0	$2.50		0.50%	Grow your savings automatically with recurring transfers, round-ups on debit card purchases and 0.5% APY.	Go to site More Info	Compare	loading Fetching your data...
Huntington Relationship Money Market		Over 1,800 ATMs across the states it services	$0	$3		0.08% on balances of $25,000 to $99,999,999,999.99 with private client account 0.05% on balances of $25,000 to $99,999,999,999.99 with a standard rate	This money market account includes an ATM card and a 24-hour overdraft grace period.	More Info	Compare	loading Fetching your data...

loading

Compare up to 4 providers

Clear selection

Compare

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.