|Best bank for domestic ATM access|
|Best credit union for ATM access|
|Best bank for international ATM access|
|Best brick-and-mortar bank for domestic ATM access|
Most basic banking services can be done online, but there’s at least one that remains offline: getting cash. Check out this list of financial institutions that do away with most ATM fees to offer free ATM access nationwide, abroad or both.
Best bank for domestic ATM access
Bank of Internet USA
For international transactions, the bank has a 2% charge for ATM withdrawals and debit card purchases.
Best credit union for ATM access
Alliant Credit Union
Best bank for international ATM access
Charles Schwab Bank
Best brick-and-mortar bank for domestic ATM access
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).
» 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 which is more important to you: ATM fee reimbursements or a local network.
Updated Nov. 14, 2017.
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.