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ATM networks with the greatest access in the US

Get cash from Alabama to Wyoming without a headache — or even a fee.

Depending on the extent of your bank’s partnerships, you can find a network that includes ATMs statewide and across the nation. Some banks extend free access beyond their own machines by waiving or reimbursing fees charged by ATMs outside their networks.

Which networks offer the widest ATM access nationwide?

Digital banks and financial firms dominate when it comes to the greatest ATM access Stateside:

NetworkATM access in the US
AspirationReimburses out-of-network ATMs worldwide
AxosReimburses one out-of-network ATMs in the US with its Plus plan
USAA65,000+ free ATMs nationwide through Allpoint, MoneyPass and PNC networks
Discover60,000+ surcharge-free ATMs through Allpoint or MoneyPass networks
BankMobile Vibe55,000+ fee-free Allpoint ATMs
GoBank42,000+ ATMs nationwide
Simple40,000+ Allpoint ATMs in its network
Capital One39,000+ Capital One and Allpoint ATMs nationwide
Bank of America16,000+ fee-free ATMs nationwide
Chase18,500+ branch ATMs nationwide
Wells Fargo12,000+ Wells Fargo ATMs nationwide

Compare accounts with the widest ATM access

Name Product Fee Annual Percentage Yield (APY) Minimum deposit to open Offer
HSBC Premier Checking
Finder Rating: 3.5 / 5: ★★★★★
Bonus
HSBC Premier Checking
$50 per month
0.01% on balances of $5+
$0
Get a $500 welcome bonus when you open your account with qualifying activities. Must open HSBC Premier checking account through offer page by February 15, 2023, and set up qualifying direct deposits into the new account totalling at least $10,000 per month for three consecutive months. Conditions apply. Deposit products are offered in the US by HSBC Bank USA, N.A. Member FDIC.

HSBC Premier Checking offers free global transfers and 24/7 customer support.
Axos Bank Rewards Checking
Finder Rating: 4.2 / 5: ★★★★★
Bonus
Axos Bank Rewards Checking
$0 per month
1.25% on balances of $0 to $50,000
$50
Use the promo code RC100 when you apply for a Rewards Checking account by 3/31/2023. Then have qualifying direct deposit(s) to earn a $100 welcome bonus!
Earn up to 1.25% APY while enjoying a suite of digital tools for smarter money management.
Axos Bank Essential Checking
Finder Rating: 5 / 5: ★★★★★
Axos Bank Essential Checking
$0 per month
N/A
$0
Pay $0 monthly and overdraft fees, and get reimbursed for domestic ATM fees. No opening deposit or minimum balance requirement. Get your paycheck up to 2 days early with direct deposit.
Chase Secure Banking
Finder Rating: 4.2 / 5: ★★★★★
Bonus
Chase Secure Banking
$4.95 per month
N/A
$0
New Chase checking customers enjoy a $100 checking account bonus when you open a Chase Secure Banking℠ account with qualifying transactions. Qualifying transactions include debit card purchases, Zelle®, ACH credits, Chase QuickDeposit℠ or online bill payments. Your bonus will appear in your account within 15 days after completing the qualifying transactions.
Chase Secure Banking offers no overdraft services. New Chase customers may qualify for a $100 signup bonus.
Chase Total Checking
Finder Rating: 3 / 5: ★★★★★
Bonus
Chase Total Checking
$12 per month
N/A
$0
New Chase checking customers enjoy a $200 bonus when you open a new Chase Total Checking® account and set up direct deposit.
Chase Total Checking is easy to use and gives you access to 16,000 ATMs and more than 4,700 branches. It offers a $200 signup bonus to new Chase customers
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Compare up to 4 providers

Banks and alternatives with no-fee access to the most ATMs

ATM accessibility isn’t just about finding a kiosk with the right logo. These digital trailblazers make sure you can get cash when and where you need it — without a fee.

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on Axos Bank's secure site

Axos Bank

Axos Bank is a digital bank that’s close on Aspiration’s heels. Its Essential Checking and Rewards Checking accounts don’t charge fees for ATM transactions and reimburses all owner-issued ATM fees in the US.

Unlike Aspiration, Axos won’t reimburse fees you incur at ATMs in other countries.

Aspiration

Aspiration is a digital banking alternative that doesn’t charge a fee at any ATM, and when you choose its Aspiration Plus plan, you’ll get one out-of-network ATM reimbursement a month.

Banks in the US with the most ATMs

To find the biggest ATM network in the brick-and-mortar market, look to Chase, Bank of America or Wells Fargo.

Chase Bank

It supports more than 18,500 ATMs around the country, making up about 17.50% of all kiosks in the nation. But while Chase’s network is hefty, it’s not comprehensive: You won’t find a Chase ATM in all states.

If you use an ATM out of Chase’s network, expect to pay $2.50 each transaction domestically and $5 for international withdrawals.

States without Chase ATMs
  • Alabama
  • Alaska
  • Arkansas
  • Iowa
  • Kansas
  • Maine
  • Minnesota
  • Mississippi
  • Missouri
  • Nebraska
  • New Hampshire
  • New Mexico
  • North Carolina
  • North Dakota
  • Rhode Island
  • Tennessee
  • South Dakota
  • South Carolina
  • Wyoming

Shaded states lack Chase ATMs.

Bank of America

Bank of America supports more than 16,050 ATMs nationwide, making up about 15.10% of what’s out there.

All but Preferred Rewards Platinum customers pay $2.50 for each transaction at ATM outside BoA’s network. Those fees amount to some $6.3 billion in revenue for the bank in 2017 alone.

States without Bank of America ATMs
  • Alabama
  • Alaska
  • Nebraska
  • North Dakota
  • South Dakota
  • Vermont
  • Wisconsin
  • Wyoming

Shaded states lack Bank of America ATMs.

Wells Fargo

This industry giant owns 12,800 ATMs — about 12.10% of what’s available nationwide. But it doesn’t offer ATMs or branch locations in all 50 states.

Expect to pay $2.50 if you use an ATM outside of its network domestically or $5 for international withdrawals.

States without Wells Fargo ATMs
  • Hawaii
  • Oklahoma
  • Louisiana
  • Missouri
  • Kentucky
  • Indiana
  • Ohio
  • Michigan
  • West Virginia
  • Massachusetts
  • New Hampshire
  • Vermont
  • Maine

Shaded states lack Wells Fargo ATMs.

Bottom line

If you like keeping cash on hand, a robust ATM network might top your list of dream bank criteria. Look beyond traditional banks to digital providers that reimburse fees for nationwide ATMs.

To manage your money to your budget and lifestyle, compare the best bank accounts you’re eligible for.

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