Compare savings accounts with unlimited branch withdrawals

Skip fees when you get cash in person or at an ATM.

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If you’re looking for an account that allows you to make unlimited branch withdrawals, you can compare some popular accounts in this guide. These accounts allow you to withdraw cash in a bank branch without having to pay any withdrawal fees.

What is a savings account with no in-person withdrawal limits?

A savings account with no in-person withdrawal limits lets you access your money at a bank branch or an ATM without penalties — even if you make more than six withdrawals.

What is Regulation D?

Regulation D is a federal rule that prevents consumers from making more than six transactions per month with certain bank account types, including savings accounts. Going over the withdrawal limit means that your bank can charge a fee or shut down your account altogether.

But Regulation D only applies to certain types of transactions, including online, phone, automatic and overdraft transfers. It doesn’t prevent you from withdrawing cash in person.

Who sets withdrawal limits for in-person transactions?

Banks can choose to set withdrawal limits that include in-person transactions and choose what penalties to charge. While Regulation D doesn’t require banks to limit in-person transactions, it also doesn’t stop them. If you need regular access to your money, you’ll want to consider a bank that doesn’t have a transaction limit for in-person withdrawals.

Compare savings accounts

Name Product Interest rate (APY) Fee Minimum deposit to open
1.50%
$15 per month
(can be waived)
$25
Earn one of the highest annual percentage yields (APYs) if you live in one of 42 eligible states, and access your money by ATM, check or bill pay.
0.01%
$5 per month
(can be waived)
$0
Get a $150 bonus when you open a new Chase Savings account, deposit a total of $10,000 or more in new money within 10 business days and maintain a $10,000 balance for 90 days. Or get $350 when you open both a Chase Savings and Chase Total Checking account.
2.00%
$10 per month
(can be waived)
$5,000
Enjoy the security and earning potential of a savings account while maintaining the flexibility to write checks.
2.15%
$7 per month
(can be waived)
$25
A high interest savings, a short-term savings and a checking account, paired with digital money management tools – all working together to help you better manage your financial life.
1.70%
$1 per month
(can be waived)
$5
This savings account offers a competitive APY with a low initial deposit and no maximum balance or maintenance fees.
1.66%
$0
$5
With no fees and a high interest rate, this account gives you plenty of incentive to save.

Compare up to 4 providers

Name Product Interest rate (APY) Fee Minimum deposit to open
0.01%
$5 per month
(can be waived)
$0
Get a $150 bonus when you open a new Chase Savings account, deposit a total of $10,000 or more in new money within 10 business days and maintain a $10,000 balance for 90 days. Or get $350 when you open both a Chase Savings and Chase Total Checking account.
0.03%
$8 per month
(can be waived)
$100
A savings account that lets you earn cashback at participating retailers and rewards depending on your balance.
0.01%
$5 per month
(can be waived)
$25
A good choice for customers who want a variety of options to save automatically.
2.05%
$4.50 per month
(can be waived)
$0
This savings account offers no minimum deposit and a competitive APY in select areas.
1.90%
$0
$0
A fee-free online savings account with a great rate for any savings balance.
0.01%
$4 per month
(can be waived)
$25
This standard personal savings account allows low balances — but don’t expect a high APY.

Compare up to 4 providers

What are the benefits of unlimited in-person withdrawals?

The main benefit of an account with unlimited withdrawals is that you can access the funds you need whenever you want. You can withdraw from your savings account to cover unexpected expenses throughout the month.

Which bank accounts offer unlimited withdrawals in person?

Bank accounts that don’t limit ATM or branch withdrawals include:

  • Synchrony High-Yield Savings
  • Capital One 360 Savings
  • Discover Online Savings Account

Limits to be aware of

Banks that don’t limit in-person withdrawals may still penalize you for making too many transfers. For example, the Discover Online Savings Account charges a $0 fee if you make over six transfers per month, not counting in-person cash withdrawals. The Synchrony account doesn’t charge fees for going over the transaction limit no matter how you get your money, but the bank still reserves the right to close the account if it’s being misused.

Some banks may also place a limit on how much you can withdraw at once or per day from an ATM.

How to compare bank accounts with unlimited branch withdrawals

Keep the following factors and features in mind when comparing accounts that allow you to make unlimited branch withdrawals:

  • Branch network. How big is the bank’s branch network around the US and the world? Are there locations convenient to you so that you can quickly and easily access funds whenever the need arises?
  • Amount you can withdraw in each transaction. Does your bank place any limits on the maximum amount you can withdraw at an ATM or branch?
  • Terms and conditions. Check to see whether there are any conditions attached to your ability to make unlimited withdrawals. For example, you may need to deposit a minimum amount each month in order to access the feature.
  • Ongoing fees. You should also be aware of any ongoing account-keeping fees that may apply to your account. If possible, find an account that doesn’t charge any service fees.
  • Other withdrawal limits. What penalties does the bank charge if you go over six transactions limited by Regulation D?

Bottom line

Savings account transactions are federally limited to six transfers per month, but that doesn’t include withdrawals made at a branch or ATM — and banks get to choose their own penalties. If you need regular access to your money, compare savings accounts to find one with a competitive interest rate that doesn’t limit cash withdrawals.

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