Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.
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 fintechs dominate when it comes to the greatest ATM access Stateside:
|Network||ATM access in the US|
|Aspiration||Reimburses out-of-network ATMs worldwide|
|Axos||Reimburses one out-of-network ATMs in the US with its Plus plan|
|USAA||65,000+ free ATMs nationwide through Allpoint, MoneyPass and PNC networks|
|Discover||60,000+ surcharge-free ATMs through Allpoint or MoneyPass networks|
|BankMobile Vibe||55,000+ fee-free Allpoint ATMs|
|GoBank||42,000+ ATMs nationwide|
|Simple||40,000+ Allpoint ATMs in its network|
|Capital One||39,000+ Capital One and Allpoint ATMs nationwide|
|Bank of America||16,000+ fee-free ATMs nationwide|
|Chase||18,500+ branch ATMs nationwide|
|Wells Fargo||12,000+ Wells Fargo ATMs nationwide|
Compare accounts with the widest ATM access
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.
Aspiration 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.
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.
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.
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
- New Hampshire
- New Mexico
- North Carolina
- North Dakota
- Rhode Island
- South Dakota
- South Carolina
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
- North Dakota
- South Dakota
Shaded states lack Bank of America ATMs.
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
- West Virginia
- New Hampshire
Shaded states lack Wells Fargo ATMs.
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.
Frequently asked questions
More guides on Finder
Best bank accounts for freelancers and the self-employed
Compare the five best bank accounts for self-employed professionals and freelancers.
CIT eChecking account review
CIT’s eChecking account offers more interest than most physical banks, but it can’t compete online.
Bank5 Connect High-Interest Checking account review
The Bank5 Connect High Interest Checking account has a solid APY, but you’ll need to meet the minimum balance to earn interest.
Fidelity Cash Management account review
Fidelity’s cash management account lets you avoid unlimited ATM fees, but it earns little interest.
Best online banks for 2021
Thinking of going digital? This one’s for you.
Nationwide Interest Checking account review
No minimum balance is required, but the APY isn’t competitive with other online banks.
Nationwide My Checking account review
Get unlimited domestic ATM fee reimbursements with no minimum balance from Nationwide’s My Checking account.
Wells Fargo Clear Access Banking review
Wells Fargo’s new Clear Access Banking account can help teens learn to manage their money.
MoCaFi account review
A free debit card and bank account designed for the Black community and underserved individuals.
A digital bank account made for US immigrants and the unbanked.
Ask an Expert