People who travel a lot or who need access to cash while on the go can save a lot by picking one of the no-ATM fee checking accounts in our database. With one of these accounts you can use your ATM or debit card to access funds at any cash machine, and your bank won’t charge you a fee for using an out-of-network ATM.
You’ll still have to watch for surcharges imposed by the owner of the ATM, but by shopping carefully, you can get an account that will rebate your account for a limited number of ATM owner surcharges each month.
You’ll still have to watch for surcharges imposed by the owner of the ATM, but by shopping carefully, you can get an account that will rebate your account for a limited number of ATM owner surcharges each month.
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Updating Checking Accounts
HSBC Premier Checking
- Get up to $600 with a 3% Cash Bonus Checking Offer when you open a new HSBC Premier checking account and complete the following qualifying activities.
- Open your new HSBC Premier checking account online by June 30, 2021; and
- Set up Qualifying Direct Deposits into your new HSBC Premier checking account; and then
- Enjoy 3% Cash Bonus, up to $600, on Qualifying Direct Deposits up to $100 per month, during the first 6 calendar months after account opening
- You will automatically receive the 3% Cash Bonus in your new HSBC Premier checking account approximately eight weeks after completing that month’s qualifying activities.
- Deposit products are offered in the U.S. by HSBC Bank USA, N.A. Member FDIC.
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Axos Bank Rewards Checking Account
APY
1.25%
Monthly Fee
None
Signup Bonus
None
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- Earn up to 1.25% APY
- All daily collected balances up to and including $150,000 will earn interest based on the combined rate rewards. All daily collected balances greater than $150,000 will not earn interest
- Unlimited ATM reimbursements at any domestic ATM in the US
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Axos Bank Business Interest Checking
APY
0.81%
Monthly Fee
$10
Signup Bonus
$100.00
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- New business owners get a $100 welcome bonus! If you incorporated after June 1, 2020, Axos Bank will add $100 to your new business bank account. Just use promo code on your application
- In the first two months after account opening, the average daily balance of the account must be at least $2,500 in order to qualify for the $100 bonus
- Earn up to 0.81% Annual Percentage Yield (APY)
- Unlimited domestic ATM fee reimbursements
- Up to 50 free items per month, $0.50 per item thereafter
- Contact the bank for applicable interest rates on balances over $5,000,000
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First Internet Bank Interest Checking
APY
0.3%
Monthly Fee
$10
Signup Bonus
None
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- First order of checks
- First IB will reimburse you up to $10 per month for foreign ATM usage
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Lake City Bank Rewards Checking
APY
0.26%
Monthly Fee
$7
Signup Bonus
None
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- Rewards Checking gives you the opportunity to earn high interest and ATM fee refunds when you meet simple qualifications
- If you do not meet these qualifications during a particular qualification cycle, you will not receive the rewards for that month, will earn 0.01% APY on your entire checking account balance and be charged the monthly maintenance fee
- Up to $25 monthly reimbursement on ATM fees nationwide
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FNBO Direct Online Checking Account
APY
0.25%
Monthly Fee
None
Signup Bonus
None
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- Non-First National Bank of Omaha ATM fees will not be assessed by FNBO Direct
- One free Overdraft or Returned Item forgiveness every 12 months from the date of the last automatic refund
- Access 55,000 ATMs surcharge-free on the Allpoint Network
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iGObanking iGOchecking® High Interest Checking Account
APY
0.25%
Monthly Fee
None
Signup Bonus
None
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- Yielding 0.25%
- iGObanking will rebate up to $15 in other bank domestic ATM Surcharge Fees
- Access 55,000 ATMs worldwide with MasterCard® iGOdebitcard®
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Bank5 Connect High-Interest Checking Account
APY
0.2%
Monthly Fee
None
Signup Bonus
None
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- Your first order of basic checks is free, and you can easily order new checks through Online Banking
- Bank5 Connect will never charge you for using an ATM and will reimburse other banks’ surcharges up to $15 per statement cycle
- Your Bank5 Connect Visa® debit card gives you free access to thousands of SUM® Network ATMs nationwide
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TIAA Bank Yield Pledge Checking
APY
0.12%
Monthly Fee
None
Signup Bonus
None
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- TIAA Bank does not charge ATM fees and will automatically reimburse you up to $15 for the ATM fees paid at other U.S. ATMs each month, regardless of your TIAA Bank account balance
- For TIAA Bank accounts that carry a minimum average daily balance of $5,000, ATM fee reimbursement is unlimited
- You can freely access your cash at over 80,000 no-fee ATMs across the country
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Ally Bank Interest Checking Account
APY
0.1%
Monthly Fee
None
Signup Bonus
None
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- Ally Bank does not allow sending outgoing international wire transfers to beneficiaries located in other countries
- Use any of the 43,000+ Allpoint® ATMs in the U.S. for free plus reimburse up to $10 per statement cycle for fees charged at other ATMs nationwide
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