Savings Accounts with ATM and Debit Cards

Traditionally, you don’t get a debit card with a savings account as you do with a checking account. However, some banks offer ATM or debit cards with a savings account. You can’t make purchases with an ATM card, but you can head to an ATM to withdraw cash or check your balance.

If you want the ability to spend your savings, there are cash accounts, money market accounts and hybrid checking and savings accounts to check out, too.

6 savings accounts with cards

• Best overall: Wealthfront Cash Account – Up to 3.95% APY
• SoFi Checking & Savings – Up to 3.30% APY
• UFB Portfolio Savings – Up to 3.26% APY
• Quontic Bank High-Yield Savings Account – Up to 3.5% APY
• Synchrony Bank High Yield Savings – Up to 3.5% APY
• Alliant Credit Union High-Rate Savings – Up to 3.01% APY

Wealthfront Cash Account

Not quite a checking or a savings account, the Wealthfront Cash Account is something on its own — and it’s hard to beat. This Cash Account offers an optional debit card and earns up to 3.95% APY for new members for three months and up to 3.30% APY afterward. It comes with high FDIC insurance up to $8 million, has no monthly fees, some ATM reimbursements, automatic savings features, savings goals and even accepts joint owners. Plus, the opening deposit requirement is just $1.

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SoFi Checking & Savings

SoFi®’s online account is a hybrid, meaning that by opening one account, you get checking and savings bundled together. You can easily transfer funds to and from your tied checking and savings, and there isn’t a limit on the number of transfers you can make between them each month. So, you can simply transfer funds from savings to checking if you want to spend it. There are also no monthly fees or opening deposit requirements. But to earn the account’s best APYs, you’ll need to either be a SoFi Plus member, set up direct deposit or deposit at least $5,000 per month.

• 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 within 25 calendar days of your first Eligible Direct Deposit of $1 or more) OR $300 (with at least $5,000 total Eligible Direct Deposits received within 25 calendar days of your first Eligible Direct Deposit of $1 or more). Cash bonus amount 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 12/31/2026. 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 3.30% 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 3.30% 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 12/23/25. 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 12/23/25. 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 4.00% Annual Percentage Yield (APY) on one SoFi Savings account with a 0.70% APY Boost (added to the 3.30% APY as of 3/31/26) for up to 6 months. Open your first SoFi Checking and Savings account and receive eligible direct deposits OR qualifying deposits of $5,000 every 31 days by 12/31/26. Rates are variable, subject to change. Terms apply at sofi.com/banking#2. SoFi Bank, N.A. Member FDIC.

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Quontic Bank High-Yield Savings Account

With a high 3.5% APY, the Quontic Bank High-Yield Savings Account is a top contender. It’s a digital account with an optional ATM card and no monthly fees. Quontic also has a large ATM network of over 90,000 locations. There’s a $100 opening deposit, but no daily balance requirements after that.

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Alliant Credit Union High-Rate Savings

Offering up 3.01% APY with a $100 minimum balance, this account is ideal if you want to go with a credit union. There are no monthly fees, and the account offers an optional ATM card with over 80,000 ATMs in its network. You can also open up to 19 other supplemental savings accounts to help sort your savings goals. But as a credit union, you have to become a member. If you don’t qualify by living or working in its service areas or employee connections, you can become an Alliant member by joining the Alliant Credit Union Foundation. Alliant will donate the $5 requirement on your behalf.

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Synchrony Bank High Yield Savings

Synchrony Bank High Yield Savings is a simple, no-frills digital savings account with a high rate and an optional ATM card. Earn up to 3.5% APY on your entire balance, with no monthly fees, opening requirements or ongoing balance requirements. However, Synchrony doesn’t offer checking, so it’s not ideal if you are looking to pair things up.

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UFB Portfolio Savings

Another solid and simple digital account, the UFB Portfolio Savings earns up to 3.26% APY and comes with an optional ATM card. There are no monthly fees, opening deposit requirements or daily balance requirements. However, watch out for changing tiered rates, as UFB likes to change its rates rather frequently.

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Compare more top savings accounts

Narrow down top savings accounts by fees, APYs and features. Tick the Compare box on multiple options to compare providers side by side.

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6 of 18 results

Finder Score	Account type	Annual Percentage Yield (APY)	FDIC or NCUA insured amount	Minimum balance to earn APY	Minimum deposit to open
Promoted Finder score 9.2 Excellent Public High-Yield Cash Account	Finder score 9.2 Excellent	Cash management account	3.30%	Up to $250,000	$0	$0	Go to site View details Compare product selection Compare	loading
Promoted Finder score 8.8 Great Cash App Savings	Finder score 8.8 Great	Savings app	Up to 3.25%	Up to $250,000	$0	$1	Go to site View details Compare product selection Compare	loading
Promoted Finder score 9.4 Excellent Wealthfront Cash Account	Finder score 9.4 Excellent	Cash management account	3.30%	Up to $8M FDIC insurance	$1	$1	New clients earn 3.95% APY. Boost your APY from 3.30% to 3.95% APY for 3 months when you open and fund a Cash Account. T&Cs apply.	Go to site View details Compare product selection Compare	loading
Finder score 9.2 Excellent SoFi Checking and Savings	Finder score 9.2 Excellent	Traditional savings,Checking	Up to 3.30%	Up to $250,000	$0	$0	Earn up to 4.00% APY on savings and $50 or $300 with direct deposit. Open a new SoFi Checking and Savings account by 31 December 2026, set up eligible direct deposit within 60 days, and maintain direct deposit for six months. T&Cs apply.	Go to site View details Compare product selection Compare	loading
Finder score 9.4 Excellent Centier bank HYSA through Raisin	Finder score 9.4 Excellent	Traditional savings	3.95%	Up to $250,000	$0	$1	Up to $1,500 bonus for new customers with qualifying deposits using promo code FRESHSTART. T&Cs apply.	Go to site View details Compare product selection Compare	loading
Finder score 8.6 Great Alliant High-Rate Savings	Finder score 8.6 Great	Savings app	3.01%	Up to $250,000 by the NCUA	$100	$5	$5 opening deposit is paid for you. T&Cs apply.	Go to site View details Compare product selection Compare	loading

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How we picked these

What is the Finder Score?

The Finder Score crunches over 250 savings accounts from hundreds of financial institutions. It takes into account the product's interest rate, fees, opening deposit and features - this gives you a simple score out of 10.

To provide a Score, Finder’s banking experts analyze hundreds of savings accounts against FDIC-reported national averages as a baseline. Accounts with rates well over the national average are scored the highest, while accounts with rates well below are scored low.

Read the full breakdown

Bottom line

Savings accounts don’t usually come with a debit or ATM card because they’re not designed for spending! However, a few places like Wealthfront, Synchrony and Alliant offer optional cards you can request. It’s also common for local credit unions to provide ATM cards with their savings accounts.

If you don’t need a savings account with an ATM or debit card, compare these high-yield savings accounts with top-tier rates and low fees.

Frequently asked questions

• Do ATM cards have fees?

  ATM cards can come with fees, but they’re usually from the ATMs you use. If you’re using an out-of-network ATM, your bank might charge you around $3.50 to withdraw cash and a $1.50 balance inquiry fee. For in-network ATMs, there’s a good chance you won’t pay any fees using your ATM card. If you don’t want to deal with ATM fees, compare banks with fee-free ATM networks.

• Do savings accounts have withdrawal limits?

  They can. For many traditional savings accounts, you’re limited to up to six withdrawals per month. Online accounts usually allow for an unlimited number of withdrawals.
  When it comes to the amounts you can withdraw in a day, week or month, those vary widely by the institution. For example, Bank of America typically has a $1,000 daily ATM withdrawal limit, while other banks like Chase and Wells Fargo have flexible withdrawal limits based on your account and account type.

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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