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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.

Updated

Fact checked

Our pick for wide ATM access: Aspiration Spend & Save Account

Aspiration Spend & Save Account logo

1%

APY

  • $10 minimum deposit to open
  • Unlimited cash back rewards
  • No monthly fee unless you choose to pay
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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 dominate when it comes to the greatest ATM access Stateside:

NetworkATM access in the US
AspirationReimburses out-of-network ATMs worldwide
AxosReimburses out-of-network ATMs in the US
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 ATMs ATM transaction fee Out-of-network ATM fee ATM fee rebates Foreign transaction fee
Chase Premier Plus Checking
$25 per month
Access to 16,000 ATMs and nearly 4,900 branches nationwide
$0
$2.50 in the US, Puerto Rico and US Virgin Islands; outside the US, it's $5 per withdrawal and $2.50 per transfer or inquiry
First four non-Chase ATM transactions per statement period
3%
Get a $300 signup bonus as a new Chase checking customer when you open a Chase Premier Plus Checking account and set up direct deposit. Available online nationwide except in Alaska, Hawaii and Puerto Rico.
Axos Bank Rewards Checking
$0
ATM fees reimbursed at any ATM nationwide
$0
$0
Axos Bank will reimburse all domestic ATM fees you incur within one business day
1%
Earn up to 1.25% APY while enjoying a suite of digital tools for smarter money management.
Aspiration Spend & Save Account
$0
Fee-free ATM withdrawals at Allpoint ATMs
$0
$0
1%
A spend and save combo account with no monthly service fees, free access to every ATM in the world, unlimited cash back rewards and deposits insured by the FDIC. The Aspiration Spend & Save Account is a cash management account offering of Aspiration Financial, LLC, an SEC-registered broker-dealer. Aspiration is not a chartered bank.
BBVA Online Checking
$0
No ATM fees nationwide at more than 64,000 AllPoint, participating 7-Eleven and BBVA USA ATMs
$0
$3
3%
A full-service account with convenient, surcharge-free access to two massive ATM networks, plus a $200 signup bonus when you meet deposit requirements
Axos Bank Essential Checking
$0
ATM fees reimbursed at any ATM nationwide
$0
Unlimited domestic ATM fee reimbursements
No fees. Unlimited domestic ATM fee reimbursements.
HSBC Premier Checking
$50 per month
Free to use at all ATMs in the US
$0
$0
0%
Get a 3% cash bonus, up to $600 (max. $100 per month) during first six months after account opening. Must open HSBC Premier checking account through offer page by September 30, 2020, and set up qualifying direct deposits into the new account. Conditions apply. Deposit products are offered in the US by HSBC Bank USA, N.A. Member FDIC.
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Compare up to 4 providers

Banks 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

Access your money for free at any ATM. Aspiration doesn’t charge a fee and reimburses you for any costs issued by ATM owners. There’s no small print or exceptions, resulting in one of the most robust ATM networks around the globe.

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.

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.

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.

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.

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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