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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
Learn more
at Bank of Internet
Bank of Internet USA

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

Best credit union for ATM access
Alliant+Credit+Union
Learn more
at Alliant
Alliant Credit Union

Best bank for international ATM access
Schwab+Bank
Learn more
at Charles Schwab
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 put together 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. 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 has a 2% charge for ATM withdrawals and debit card purchases.

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Best brick-and-mortar bank for domestic ATM access

Citibank

3.5 stars out of 5

Citibank
Read full review
on NerdWallet
The fourth-largest U.S. bank, Citibank offers account holders access to a tremendous number of fee-free domestic ATMs: more than 60,000. That includes more than 2,400 cash machines at Citibank’s roughly 700 branches nationwide, as well as those in two partner networks: Allpoint, which has 43,000 ATMs in the U.S., and MoneyPass, which has 25,000.

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 (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
Learn more
at Alliant
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 make it easy 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
Learn more
at Charles Schwab
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 which is more important to you: ATM fee reimbursements or a local network.

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.

Updated Nov. 14, 2017.


METHODOLOGY

To determine the best accounts, we took a close look at 70 financial institutions, including 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. We rated them on criteria including annual percentage rates, minimum balances, fees, digital experience and more.

Financial institutions surveyed include: Alaska USA Federal Credit Union, Alliant Credit Union, Ally Bank, America First Credit Union, American Express, 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, Chime, CIT, Citibank, Citizens Bank, Comerica Bank, Commerce Bank, Connexus Credit Union, Consumers Credit Union, Discover Bank, EverBank, Fidelity, Fifth Third Bank, First Citizens Bank, First National Bank, First Tech Federal Credit Union, GoBank, Golden 1 Credit Union, GS Bank, HSBC Bank USA, Huntington Bank, KeyBank, M&T Bank, Navy Federal Credit Union, Pentagon Federal Credit Union, PNC, PurePoint Financial, Qapital, 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, Varo, Wells Fargo, Woodforest National Bank, and Zions Bank.

How we rate banks and credit unions