|Best for domestic ATM access|
Bank of Internet USA
at Bank of Internet USA
|Best brick-and-mortar bank for domestic ATM access|
|Best credit union for ATM access|
|Best for international ATM access|
Online banking’s on the rise, but there’s at least one feature you need to be offline to use: getting cash. We’ve rounded up a list of financial institutions that won’t charge you high costs for withdrawing your own money from ATMs, including a few with additional features for ATM users.
Best for domestic ATM access
Bank of Internet USA
Best brick-and-mortar bank for domestic ATM access
But Fifth Third’s charges get steep internationally. You’ll pay $5 plus 3% of the withdrawal amount for ATM use overseas, unless you have an Enhanced, Preferred or other checking account that waives the fee. The bank also charges a 3% international purchase fee and a 0.20% currency conversion fee.
Best credit union for ATM access
Alliant Credit Union
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 purchases overseas.
Best for international ATM access
» MORE: Best banks for mobile banking
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 work better for you.
Verified Feb 3, 2017.
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.