Banks with Free ATMs

Ready to ditch those annoying ATM fees? If you use an ATM at least once per month, you might be paying around $36 annually just to access your own money. Plenty of banks don’t charge you anything to use an ATM that’s not in their network, and even more banks have large ATM networks nationwide for easy and fee-free cash access.

9 banks with large and free ATM networks

We’ve rounded up banks with large, fee-free ATM networks and prioritized locating banks with no out-of-network ATM fees. However, in many cases, using an out-of-network ATM may still incur a non-reimbursable operator fee.

• SoFi terms and conditions

  New and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus of either $50 (with at least $1,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period) OR $300 (with at least $5,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period). Cash bonus will be based on the total amount of Eligible Direct Deposit. If you have satisfied the Eligible Direct Deposit requirements but have not received a cash bonus in your Checking account, please contact us at 855-456-7634 with the details of your Eligible Direct Deposit. Direct Deposit Promotion begins on 12/7/2023 and will be available through 1/31/2026. Full terms at sofi.com/banking. SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC.
  
  SoFi members with Eligible Direct Deposit can earn 3.60% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the 3.60% APY for savings (including Vaults). Members without Eligible Direct Deposit will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 11/12/25. There is no minimum balance requirement. Fees may reduce earnings. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet.
  
  Annual percentage yield (APY) is variable and subject to change at any time. Rates are current as of 11/12/25. There is no minimum balance requirement. Fees may reduce earnings. Additional rates and information can be found at https://www.sofi.com/legal/banking-rate-sheet
  
  We do not charge any account, service or maintenance fees for SoFi Checking and Savings. We do charge a transaction fee to process each outgoing wire transfer. SoFi does not charge a fee for incoming wire transfers, however the sending bank may charge a fee. Our fee policy is subject to change at any time. See the SoFi Bank Fee Sheet for details at sofi.com/legal/banking-fees/.
  
  SoFi Bank is a member FDIC and does not provide more than $250,000 of FDIC insurance per depositor per legal category of account ownership, as described in the FDIC’s regulations. Any additional FDIC insurance is provided by the SoFi Insured Deposit Program. Deposits may be insured up to $3M through participation in the program. See full terms at SoFi.com/banking/fdic/sidpterms. See list of participating banks at SoFi.com/banking/fdic/participatingbanks.
  
  We’ve partnered with Allpoint to provide you with ATM access at any of the 55,000+ ATMs within the Allpoint network. You will not be charged a fee when using an in-network ATM, however, third-party fees may be incurred when using out-of-network ATMs. SoFi’s ATM policies are subject to change at our discretion at any time.
  
  Early access to direct deposit funds is based on the timing in which we receive notice of impending payment from the Federal Reserve, which is typically up to two days before the scheduled payment date, but may vary.
  
  Overdraft Coverage is a feature automatically offered to SoFi Checking and Savings account holders who receive at least $1,000 or more in Eligible Direct Deposits within a rolling 31 calendar day period on a recurring basis. Eligible Direct Deposit is defined on the SoFi Bank Rate Sheet, available at https://www.sofi.com/legal/banking-rate-sheet. Members enrolled in Overdraft Coverage may be covered for up to $50 in negative balances on SoFi Bank debit card purchases only. Overdraft Coverage does not apply to P2P transfers, bill payments, checks, or other non-debit card transactions. Members with a prior history of unpaid negative balances are not eligible for Overdraft Coverage. Eligibility for Overdraft Coverage is determined by SoFi Bank in its sole discretion. Members can check their enrollment status, if eligible, at any time by logging into their account through the SoFi app or on the SoFi website.
  
  Earn up to 4.30% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.60% APY as of 11/12/25) for up to 6 months. Open a new SoFi Checking and Savings account and pay the $10 SoFi Plus subscription every 30 days OR receive eligible direct deposits OR qualifying deposits of $5,000 every 31 days by 1/31/26. Rates variable, subject to change. Terms apply at sofi.com/banking#2. SoFi Bank, N.A. Member FDIC.

What are ATM operator fees?

If you use an ATM outside your bank or credit union’s network, you may have to pay an ATM operator fee. These are charges coming from the bank or company that owns and maintains the ATM. These charges don’t come from your bank itself, and they are different from “out-of-network” ATM fees, which are charged by your bank when you use an ATM outside of their network.

If you use an ATM outside of your bank’s network, you may be charged both an operator fee and an out-of-network ATM fee. Operator fees may be around $2 to $4 per transaction, and bank out-of-network ATM fees are usually around $3 for cash withdrawals.

Why do banks charge out-of-network ATM fees?

In short, banks want you to use their own services — branches, banking tools and ATMs. Banks and credit unions have to pay to maintain that infrastructure. If you use another bank’s infrastructure, they charge out-of-network ATM fees to dissuade you from using another institution’s services.

How do ATM reimbursements work?

If you were to use an ATM that charged you a fee, banks that offer ATM reimbursements typically send those funds at the end or beginning of a statement cycle. For example, Ally Bank sends ATM reimbursements into your account at the end of each statement period in a lump sum.

In most cases, ATM reimbursements are capped month to month, such as offering to pay back up to $10 in out-of-network ATM fees. However, there are a few with unlimited reimbursements, such as Axos Bank and Charles Schwab. And while ATM reimbursements are great, just keep in mind that they typically exclude operator fees — those are hard to avoid.

Compare top checking accounts

Narrow down top checking accounts by APYs, monthly fees and features. To compare accounts side by side, tick the Compare box on multiple accounts for a closer comparison.

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5 of 16 results

Finder Score	Fee	Minimum deposit to open	Annual Percentage Yield (APY)	Rebate
Promoted Finder score 9 Excellent SoFi Checking and Savings	Finder score 9 Excellent	$0 per month	$0	Up to 3.60%	Earn up to 4.30% APY on savings and $50 or $300 with direct deposit. Open a new SoFi Checking and Savings account by 31 January 2026, set up eligible direct deposit within 60 days, and maintain direct deposit for six months. T&Cs apply.		Go to site View details Compare product selection Compare	loading
Promoted Finder score 9.2 Excellent NBKC Everything Account	Finder score 9.2 Excellent	$0 per month	$0	1.75% on balances of $0.01+		Go to site View details Compare product selection Compare	loading
Promoted Finder score 9.6 Excellent OnePay Cash	Finder score 9.6 Excellent	$0 per month	$0	3.35% on balances of $5,000 to $250,000 1.00% on balances of $0 to $4,999 1.00% on balances of $250,001+	For a limited time, earn 10% cash back at Walmart on your first purchase made within your first month, on up to $200 spent. T&Cs apply.		Go to site View details Compare product selection Compare	loading
Finder score 7 Great HSBC Premier Checking	Finder score 7 Great	$50 per month (can be waived)	$0	0.01% on balances of $5+	Earn up to $3,500 by opening the HSBC Premier account with three different bonus offers after completing qualifying activities by December 31, 2025, and maintain the New Deposits through March 31, 2026. T&Cs apply.		Go to site View details Compare product selection Compare	loading
Finder score 8.6 Great Step Black Card	Finder score 8.6 Great	From $0 per month	$0	4.00% on balances of $0 to $1,000,000		Go to site View details Compare product selection Compare	loading

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How we picked these

What is the Finder Score?

The Finder Score crunches over 300 checking accounts from hundreds of financial institutions. It takes into account the product's monthly fees, overdraft fees, opening deposit, customer support options, ATM network and features — this gives you a simple score out of 10.

To provide a Score, Finder’s banking experts analyze hundreds of checking accounts against what we consider is the best option: no monthly fees, no overdraft fees, a large ATM network of 50,000 or more, additional features outside of typical banking services, and the optional perk of earning interest. Accounts that are nearly free to maintain and use are scored the highest, while accounts with costly fees and few features are scored the lowest.

Read the full breakdown

Bottom line

If you’re paying to use ATMs outside of your bank’s network, or your bank just doesn’t have ATMs near you, it might be time to switch banks.

Compare the best checking accounts, or compare the best free checking options to keep more cash in your pocket.

To make sure you get accurate and helpful information, this guide has been edited by Holly Jennings as part of our fact-checking process.

Written by

Bethany Hickey

Banking editor

Bethany Hickey is the banking editor and personal finance expert at Finder, specializing in banking, lending, insurance, and crypto. Bethany’s expertise in personal finance has garnered recognition from esteemed media outlets, such as Nasdaq, MSN, Yahoo Finance, GOBankingRates, SuperMoney, AOL and Newsweek. Her articles offer practical financial strategies to Americans, empowering them to make decisions that meet their financial goals. Her past work includes articles on generational spending and saving habits, lending, budgeting and managing debt. Before joining Finder, she was a content manager where she wrote hundreds of articles and news pieces on auto financing and credit repair for CarsDirect, Auto Credit Express and The Car Connection, among others. Bethany holds a BA in English from the University of Michigan-Flint, and was poetry editor for the university’s Qua Literary and Fine Arts Magazine. See full bio

Bethany's expertise

Bethany has written 493 Finder guides across topics including:

• Personal finance
• Banking
• Auto loans
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• Cryptocurrency and NFTs