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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 for domestic ATM access
Bank+of+Internet
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at Bank of Internet USA
Bank of Internet USA

Best brick-and-mortar bank for domestic ATM access
Fifth+Third+Bank
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Fifth Third

Best credit union for ATM access
Alliant+Credit+Union
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Alliant Credit Union High-Rate Checking

Best for international ATM access
Schwab+Bank
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Schwab Bank

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

4.0 stars out of 5

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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 free 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. 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

Fifth Third

3.0 stars out of 5

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Although not the biggest U.S. bank, Fifth Third gives consumers access to the most fee-free ATMs nationwide of any U.S. brick-and-mortar bank: over 44,000. The bank has 1,200 branch locations across 10 states and 2,500 of its own ATMs, but it’s also part of Allpoint, the largest fee-free shared ATM network, with 43,000 ATMs nationwide. If you use other ATMs in the U.S., though, Fifth Third charges a $2.75 fee, and the ATM owner might have a fee, too.

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.

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Best credit union for ATM access

Alliant Credit Union

4.5 stars out of 5

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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 purchases overseas.

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Best for international ATM access

Schwab Bank

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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 any customer with 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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» MORE: 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 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 Feb 3, 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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