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NerdWallet’s Best Banks for ATMs

Banking, Banks & Credit Unions, Checking Accounts
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Best Banks for ATM Lovers
Best bank for domestic ATM access
Bank+of+Internet
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at Bank of Internet
Bank of Internet USA

Best brick-and-mortar bank for domestic ATM access
Citibank
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on NerdWallet
Citibank

Best credit union for ATM access
Alliant+Credit+Union
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on NerdWallet
Alliant Credit Union

Best bank for international ATM access
Schwab+Bank
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on NerdWallet
Charles Schwab Bank

Online banking is on the rise, but there’s at least one transaction you need to do offline: getting cash. We’ve rounded up a list of financial institutions that won’t charge you high fees for withdrawing your own money from ATMs, including a few with additional features for ATM users.

Best bank for domestic ATM access

Bank of Internet USA

4.0 stars out of 5

Bank+of+Internet
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at Bank of Internet
Bank of Internet gives its customers access to any ATM in the U.S. without charging fees — and it reimburses fees that an ATM owner may charge, too. Its Rewards Checking, CashBack Checking and Essential Checking accounts provide unlimited fee reimbursements, while its other checking accounts reimburse up to $8 per month. For international transactions, the bank doesn’t charge for ATM withdrawals, but ATM owners might (note: those fees aren’t reimbursed). And there’s a hefty 2% fee to convert overseas debit card purchase transactions to U.S. dollars.

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Best brick-and-mortar bank for domestic ATM access

Citibank

3.5 stars out of 5

Citibank
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on NerdWallet
The fourth-largest U.S. bank, Citibank offers account holders the most fee-free domestic ATMs of any U.S. brick-and-mortar bank: more than 65,000. That includes more than 2,400 cash machines at Citibank’s roughly 700 branches nationwide, plus those in its partner networks, Allpoint (43,000 ATMs in the U.S.) and MoneyPass (25,000 ATMs). Citibank also has ATMs in more than 20 countries outside the U.S. Customers who withdraw cash there will pay a 3% foreign exchange fee (which is waived for holders of Citigold, Citi Priority, and other high-end accounts).

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Best credit union for ATM access

Alliant Credit Union

4.0 stars out of 5

Alliant+Credit+Union
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on NerdWallet
Chicago-based Alliant Credit Union has its own ATMs and participates in several large ATM networks, including Allpoint, Alliance One, Co-op Network, Credit Union 24 CU Here and Publix Presto networks. In all, that’s more than 80,000 surcharge-free ATMs that Alliant members can use. In addition, this credit union reimburses up to $20 per month in fees charged by owners of other ATMs. And its flexible membership requirements enable almost anyone to join its more than 335,000 members. The ATM refunds exclude a 1% foreign transaction fee when you make withdrawals overseas.

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Best bank for international ATM access

Charles Schwab Bank

4.0 stars out of 5

Schwab+Bank
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on NerdWallet
Charles Schwab offers the rare perk of worldwide ATM fee reimbursements, and it doesn’t charge any ATM fees of its own, either. Schwab, based in San Francisco, is mostly an investment company, but it offers the Schwab Bank High Yield Investor Checking Account to customers when they open a Schwab One brokerage account. The account has no minimum balance, monthly fees or foreign debit card transaction fees. Other investment firms provide similar ATM reimbursements within the U.S., but Schwab steps it up internationally.

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» If you rely on your bank’s app, explore Nerdwallet’s best banks for mobile banking

Next steps

Virtually any financial institution will let you withdraw money for free from its own ATMs, and many credit unions and community banks participate in larger shared ATM networks, too. When opening a bank account, consider whether ATM fee reimbursements or a local network would work better for you.

Virginia C. McGuire and Spencer Tierney are staff writers at NerdWallet, a personal finance website. Email: virginia@nerdwallet.com or spencer@nerdwallet.com. Twitter: @vcmcguire or @SpencerNerd.

Verified Sept. 21, 2017.


METHODOLOGY

To determine the best accounts, we took a close look at over 60 financial institutions: the largest U.S. banks based on assets, debit card volume, Internet search traffic and other factors; the nation’s largest credit unions, based on deposits as well as broad-based membership requirements; and other notable and/or emerging players in the industry.

Financial institutions surveyed include: Alaska USA Federal Credit Union, Alliant Credit Union, Ally Bank, Andrews Federal Credit Union, Aspiration, Associated Bank, Bank5 Connect, BankDirect, Bank of America, Bank of Internet, Bank of the West, Barclays, BB&T, BBVA Compass, Boeing Employees Credit Union, BMO Harris, Capital One 360, Charles Schwab Bank, Chase, Citibank, Citizens Bank, Comerica Bank, Commerce Bank, Connexus Credit Union, Consumers Credit Union, Discover Bank, EverBank, Fidelity, Fifth Third Bank, First Tech Federal Credit Union, Golden 1 Credit Union, GS Bank, HSBC Bank USA, Huntington Bank, KeyBank, MemoryBank, MetaBank, M&T Bank, Navy Federal Credit Union, Pentagon Federal Credit Union, People’s United Bank, PNC, Radius Bank, Regions Bank, Santander Bank, SchoolsFirst Federal Credit Union, Security Service Federal Credit Union, Simple, Star One Credit Union, State Employees’ Credit Union of North Carolina, State Farm Bank, Suncoast Credit Union, SunTrust Bank, Synchrony Bank, TCF Bank, TD Bank, Union Bank, UFB Direct, USAA, U.S. Bank, Wells Fargo, Woodforest National Bank, Zero Financial and Zions Bank.

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