Do Online Banks Have ATMs?

I won’t drag it out: Yes, online banks can have ATM networks.

What ATM networks do online banks use?

Online banks, such as SoFi®, Ally Bank or Chime, don’t usually have their own ATM networks. So, how do they have ATMs? Through third-party ATM networks and partnerships.

For example, the online bank SoFi has partnered with the Allpoint network, which means SoFi customers have fee-free access to over 55,000 Allpoint ATMs across the US.

Where to find online bank ATMs

Compared to traditional banks, finding an ATM that works with your online bank can be a little trickier.

Chase Bank has Chase-branded ATMs, and they’re very obviously branded as such, making them easy to spot. Chase customers can use these without worrying about fees.

So, without carefully branded signs and color-coded ATMs, how do you know which ATMs you can go to if you’re with an online bank that doesn’t have a proprietary network?

Easy — learn what ATMs your online bank has partnered with or use an ATM locator.

ATM networks that online banks often use

For the most part, you can expect an online bank to use one or more of these ATM networks:

• Allpoint ATM network (55,000+ locations)
• MoneyPass ATM network (40,000+ locations)
• Green Dot retail cash deposit service (95,000+ locations)

Here are the ATM networks that popular online banks use:

• 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. Enroll in SoFi Plus between 9/18/25 and 1/31/26. Rates variable, subject to change. Terms apply at sofi.com/sofi-plus SoFi Bank, N.A. Member FDIC.

• OnePay terms and conditions

  For a limited time, earn 10% cash back at Walmart on your first purchase made within your first month, on up to $200 spent.
  OnePay is a financial technology company, not a bank. Banking services provided by Coastal Community Bank or Lead Bank, Members FDIC.
  10% cash back at Walmart: Only available to customers who initiate their account application through certain channels from 3/21/25 - 1/31/26. Cash back earned as OnePay Points. See terms at onepay.com/10percent.
  3% cash back at Walmart: Cash back is earned as OnePay Points, redeemable into a OnePay Cash account or other available options. Only available to customers who unlock OnePay Cash+ with eligible deposits. Customers can choose to earn on gas instead of at Walmart. Spend cap applies to your total spend across the cash back categories you selected during the month. See OnePay Rewards Terms.
  Early Pay: Get paid up to 2 days early. Direct Deposit is required. Funds may be available up to 2 days in advance, depending on when your employer sends paycheck data.
  3.35% APY on Savings with eligible deposits: 3.35% annual percentage yield (APY) applies to the Savings balance of OnePay Cash accounts that have either (i) received $500+ of Direct Deposit in the current or previous month or (ii) have a balance of $5,000+ at the end of the previous month. 3.35% APY is also earned on Pay Autosave balances without deposit or balance requirements. 3.35% APY is limited to a total Savings balance of up to $250,000. All other Savings balances will earn 1.00% APY. APYs are as of 10/7/2025, but may change at any time before or after account opening.
  ATM: Only applies to OnePay Cash accounts that have either (i) received Direct Deposit totaling $500+ in the current or previous month, or (ii) have a balance of $5,000+ at the end of the previous month. For all other ATM transactions the OnePay ATM Fee will apply and third-party ATM fees may be incurred.
  Fee-Free Overdraft: Fee-Free Overdraft is available to OnePay Cash accounts that have either (i) received Direct Deposits totaling $500+ in the current or previous month, or (ii) have a balance of $5,000+ at the end of the previous month. You must be 18 or older. When on, Savings Backup will be used before Fee-Free Overdraft. Overdraft balance is due right away. Eligible transactions are at the discretion of OnePay and may exclude certain transactions (e.g., bill pay, global transfers). See details.

Online bank ATM locators

Luckily, most banks — whether online or brick and mortar — have an ATM locator.

In your mobile app or on the bank’s site, you can simply enter your location, usually your ZIP code, to see which ATMs are near you.

ATM locator examples:

• SoFi’s ATM locator
• Chime’s ATM locator
• Ally Bank’s ATM locator
• Axos Bank ATM locator

Bottom line

Online banks can have ATMs, usually through third-party networks like Allpoint or MoneyPass. With these partnerships, online banks like SoFi, Chime and Varo can give their customers fee-free ATM access without having to create their own ATM networks.

And if you want to avoid ATM fees entirely, look for banks with large fee-free ATM networks or for accounts that offer monthly out-of-network ATM rebates.

Frequently asked questions

What are out-of-network ATM fees?

Out-of-network ATM fees are fees charged by your bank when you use an ATM outside of their network. These fees tend to range from around $0.50 to $3, depending on the transaction.

These fees are charged for two reasons. The first is that your bank wants you to use their ATM network, and the other is that your bank has to send your account information to an ATM they don’t own.

What is an ATM operator fee?

An ATM operator fee is charged by the owner of an ATM when you use an ATM outside of your bank’s network. Since you’re not a customer of that specific bank or network, you’re charged an “operator” fee, which is basically a service fee for using the ATM.

Using your bank’s in-network ATMs doesn’t normally incur operator fees, because you’re already a customer. Your deposits, monthly fees and so on are what’s helping maintain these machines, so the banks don’t charge you extra to maintain their property (because you already are!).

Can I get ATM fees reimbursed?

Yes, select bank accounts offer ATM reimbursements, sometimes called ATM rebates. A few banks that offer ATM reimbursements include Alliant Credit Union, Axos and Charles Schwab. Just keep in mind that many banks offering these rebates rarely reimburse operator fees, so read the fine print.

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

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