10 Best Banks With Zero Atm Fees In 2025

In this article, I will discuss the Best Banks With Zero Atm Fees. I will ensure I apply the right strategies to make it banking helpful.

These banks and credit unions provide fee-free access to ATMs located across the country or around the globe, as well as reimbursements for fees incurred at out-of-network ATMs.

Whether you are a traveler or someone who loves online banking, withdrawing cash will be free of stress and without extra fees.

Key Point & Best Banks With Zero Atm Fees List

Axos Bank

Axos Bank differentiates itself as one of the best banks with no ATM fees owing to unlimited domestic ATM reimbursements. Unlike most banks that only waive fees at network ATMs, Axos refunds fees at any U.S. ATM, providing full flexibility to customers.

This makes it useful for travelers and those needing access across the country without restrictions. In addition, Axos provides high-interest checking accounts with no maintenance fees, providing modern banking solutions in a more affordable and convenient way.

Connexus Credit Union

Connexus stands out as one of the best financial institutions due to having no ATM fees and access to more than 54,000 surcharge-free ATMs through the CO-OP and MoneyPass networks.

Like many other banks, Connexus does not restrict free cash withdrawal access on a national level, thus making cash access convenient for members. In addition, members are provided with competitive interest rates on checking and saving accounts which increases overall value.

Connexus supports its members greatly by providing the best interest rates on savings along with cost-free digital banking services which enables a hassle-free and convenient nationwide banking experience without fees.

Charles Schwab Bank

Charles Schwab Bank is among the finest banks with no ATM fees, as it provides unlimited worldwide ATM fee reimbursements.

Unlike other banks who only cover domestic fees, Schwab reimburses all ATM fees internationally which is suitable for travelers.

Additionally, the High-Yield Investor Checking account offers no monthly fees, and and easy linking to Schwab brokerage accounts. These features make Charles Schwab Bank the best option for those looking for reliable, convenient banking.

Navy Federal Credit Union

Navy Federal Credit Union is considered one of the top financial institutions because it has no ATM fees, gives free access to more than 30,000 ATMs through CO-OP and Navy Federal networks, and even refunds ATM withdrawal fees. It refunds up to $10 monthly in ATM fee rebates.

Unlike a lot of other banks, Navy Federal ensured cost free access to almost anywhere. It is tailored for military personnel and their families. It also has competitive rates as well as strong member benefits which makes it a top provider for those looking for low cost and flexible banking.

Betterment

Betterment is one of the leading banks with no ATM fees for customers as it offers unlimited foreign ATM fee reimbursements.

Betterment’s Cash Reserve and Checking Accounts automatically refund any ATM fees, regardless of the country, unlike other banks which makes it convenient for travelers and users of digital banking.

There are also no monthly maintenance fees, overdraft fees, or minimum balance limits. For managing money in the modern world without fees, Betterment integrated automated investing with high yield savings while providing banking tailored toward comfortable experiences.

Ally Bank

Ally Bank is one of the best with its zero ATM fees and free access to more than 43,000 Allpoint ATMs across the country.

Ally is set apart by its out-of-network ATM fee reimbursement policy—up to $10 per statement cycle—allowing low-cost access to cash from virtually anywhere.

Unlike other banks, Ally is fully online which enables them to offer better interest rates on their checking and saving accounts. Ally does not charge a monthly maintenance fee which combined with their digital banking features means a customer friendly experience.

Capital One 360 Checking

Capital One 360 Checking secures its position among the industry leaders because of the lack of ATM fees and offers access to over than 70,000 ATMs with the Allpoint and MoneyPass networks.

It distinguishes itself by being ideal for both domestic and international uses due to no foreign transaction fees.

Also, no monthly fees and no minimum balance increases its appeal as cost-effective banking. With a strong mobile app, overdraft protection options, and seamless digital tools, Capital One 360 Checking offers hassle-free and zero cost banking.

Discover Bank

Discover Bank has gained considerable recognition as one of the best service providers that doesn’t impose ATM fees, allowing access to over 60,000 ATMs for free through Allpoint and MoneyPass networks.

What sets them apart is the unique Cashback Debit account, which enables customers to earn 1% cashback on debit purchases up to $3,000 each month. This accounts offers features seldomly seen in checking accounts.

The account has no monthly maintenance fees, no overdraft fees, and no minimum balance restrictions. The combination of the rewards program and fee-free ATMs with Discover Bank ensures customers utmost convenience partnered with additional financial advantage.

Fidelity Investments Cash Management Account

Fidelity Investments Cash Management Account gives you an edge with unlimited international ATM fee reimbursements and zero ATM fees.

Fidelity also stands out from other banks, refunding all ATM fees which is great for investors or travelers. Also, funds are FDIC-insured across multiple partner banks which enhance the security of funds.

The account is free of monthly fees and balance requirements while effortlessly linking with Fidelity brokerage accounts, making it a flexible banking option for users that want fee-free access and features tailored for investing.

Alliant Credit Union

Alliant Credit Union is one of the few to provide free access to over 80,000 Allpoint and CO-OP ATMs without charging ATM fees.

What makes Alliant unique is the out-of-network ATM fee reimbursement of up to $20 a month, which increases flexibility in cash withdrawal options.

In addition, Alliant has high-yield checking and saving accounts with no monthly fees. With strong digital banking and extensive ATM access, Alliant Credit Union offers affordable and convenient banking services.

Conclusion

To summarize, selecting a bank that does not charge ATM fees can cut costs and increase your financial flexibility.

The most notable options include Charles Schwab Bank and Fidelity Investments Cash Management, as they offer unlimited worldwide ATM fee reimbursements which is ideal for frequent travelers.

Others like Alliant Credit Union and Ally Bank also offer extensive ATM networks and reimbursement for out-of-network withdrawals. Whether you prefer a digital bank or a credit union, these options guarantee access to your funds without any restrictions at any time.