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.
Digital banks and financial firms 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 |
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.
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 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.
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.
Shaded states lack Chase ATMs.
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.
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.
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 banks that reimburse fees for nationwide ATMs.
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