|Best bank for domestic ATM access|
Bank of Internet USA
at Bank of Internet
|Best brick-and-mortar bank for domestic ATM access|
|Best credit union for ATM access|
|Best bank for international ATM access|
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
Best brick-and-mortar bank for domestic ATM access
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 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.
Best bank for international ATM access
Charles Schwab Bank
» If you rely on your bank’s app, explore Nerdwallet’s 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 would work better for you.
Verified Sept. 21, 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.