Stop paying to access your own money when these debit cards cover your ATM fees.
Getting hit with an ATM fee is one of the most frustrating ways to waste money. Banks and third-party ATMs love to charge for withdrawals, turning what should be a simple transaction into an unnecessary expense. Some people try to avoid fees by only using their bank’s ATMs, but that’s not always practical—especially if you travel frequently or live in an area with limited options.
Luckily, not all banks are out to nickel-and-dime you. Some debit cards fully reimburse ATM fees, whether you’re withdrawing cash at home or abroad. That means you can access your money whenever and wherever you need it without worrying about getting charged. These 11 debit cards offer some of the best ATM fee reimbursements, helping you keep more of your hard-earned cash where it belongs—in your wallet.
1. Charles Schwab High Yield Investor Checking refunds all ATM fees worldwide.
Charles Schwab’s High Yield Investor Checking account is a favorite among travelers and frequent ATM users. It offers unlimited ATM fee reimbursements worldwide, meaning you’ll never have to worry about being charged extra just to withdraw cash, as stated by Adam Rosza at Wire. Unlike many other accounts, Schwab doesn’t place any limits on how much you can get back each month.
In addition to free ATM access, this account has no monthly fees, no minimum balance requirements, and even earns a small amount of interest. It’s linked to a Schwab brokerage account, but you don’t have to use the investing side to enjoy the perks. Whether you’re in your hometown or halfway across the world, this debit card ensures you never pay ATM fees again.
2. SoFi Checking and Savings covers up to $4 in ATM fees per transaction.
SoFi’s Checking and Savings account provides unlimited ATM fee reimbursements when you use the Allpoint network, plus up to $4 in reimbursements per transaction at other ATMs, according to Steven Cruse at The Daily Navigator. That’s especially helpful for those who frequently withdraw cash from different locations.
Beyond ATM fee coverage, this account offers a competitive interest rate, early paycheck access, and no monthly maintenance fees. SoFi is a great choice for people who want a modern banking experience with perks that traditional banks don’t always provide. The ability to avoid ATM fees while earning solid interest makes it an excellent option for everyday banking.
3. Fidelity Cash Management reimburses all domestic ATM fees.
Fidelity’s Cash Management account is designed to be a flexible alternative to traditional checking accounts, as reported by the writers at Ithy. It reimburses all ATM fees within the U.S. and provides a high level of convenience with free check writing, mobile check deposits, and an easy-to-use mobile app.
This account is particularly appealing for those who want a seamless way to manage their money while avoiding unnecessary charges. While it doesn’t cover international ATM fees, it’s still a great option for those who mainly withdraw cash domestically. Plus, there are no monthly fees or minimum balance requirements, making it a low-maintenance way to bank.
4. Axos Rewards Checking offers unlimited ATM reimbursements.
Axos Bank’s Rewards Checking account provides unlimited ATM fee reimbursements nationwide. Whether you’re withdrawing cash from a local ATM or grabbing money on a road trip, you won’t have to worry about extra charges.
In addition to free ATM access, this account offers a tiered interest rate structure that rewards customers for meeting certain criteria, such as using direct deposit or making a set number of debit card purchases each month. It’s an excellent option for those who want an online bank that offers both convenience and extra perks.
5. Ally Bank Interest Checking refunds up to $10 in ATM fees per month.
Ally Bank’s Interest Checking account provides up to $10 in ATM fee reimbursements each month, along with access to the Allpoint network, which includes over 43,000 fee-free ATMs nationwide.
While $10 may not sound like much, it’s enough to cover most monthly ATM usage for the average person. Ally also offers a competitive interest rate on checking balances and no monthly fees, making it a strong option for those who want a simple yet effective banking solution.
6. Discover Cashback Debit refunds all ATM fees if you use MoneyPass ATMs.
Discover’s Cashback Debit account offers a unique benefit: 1% cash back on up to $3,000 in debit card purchases per month. On top of that, it provides unlimited ATM fee reimbursements when using MoneyPass ATMs.
While Discover doesn’t reimburse out-of-network ATM fees, the MoneyPass network includes over 60,000 ATMs, making it easy to find a free withdrawal option. If you like the idea of earning rewards on everyday purchases while avoiding ATM fees, this card is worth considering.
7. Alliant Credit Union High-Rate Checking covers up to $20 in ATM fees monthly.
Alliant Credit Union’s High-Rate Checking account reimburses up to $20 in ATM fees per month, which is more than enough for most users. It also provides access to over 80,000 fee-free ATMs through multiple networks, reducing the chances of needing a reimbursement in the first place.
As a credit union, Alliant offers competitive interest rates and customer-friendly policies. There are no monthly fees or minimum balance requirements, making this a solid choice for anyone looking for a hassle-free banking experience with excellent ATM perks.
8. First Republic ATM Rebate Checking refunds all ATM fees worldwide.
First Republic’s ATM Rebate Checking account fully reimburses all ATM fees globally, making it an excellent option for frequent travelers. Whether you’re withdrawing cash in New York or Tokyo, you won’t have to worry about fees cutting into your budget.
The downside? This account requires a relatively high minimum balance to avoid monthly fees. However, if you can meet the requirements, it’s one of the best accounts available for unlimited ATM access with no restrictions.
9. TIAA Bank Yield Pledge Checking refunds unlimited ATM fees.
TIAA Bank’s Yield Pledge Checking account offers unlimited ATM fee reimbursements, both domestically and internationally. This makes it a great choice for travelers who frequently find themselves withdrawing cash from unfamiliar ATMs.
Additionally, this account offers a competitive interest rate, helping your balance grow over time. There are no monthly maintenance fees, and the mobile banking features make it easy to manage your account on the go. If you hate ATM fees and want a solid checking account, TIAA Bank delivers.
10. USAA Classic Checking covers up to $15 in ATM fees per month.
For those eligible for a USAA account, the Classic Checking account offers up to $15 in ATM fee reimbursements per month. While it’s limited to military members and their families, it’s a strong option for those who qualify.
USAA also provides access to thousands of fee-free ATMs and excellent customer service. If you’re part of the military community, this account is a great way to avoid unnecessary fees while enjoying a well-rounded banking experience.
11. EverBank (now TIAA) reimburses ATM fees worldwide.
EverBank, now part of TIAA, offers one of the best debit card options for travelers. It provides unlimited ATM fee reimbursements worldwide, ensuring that you never have to worry about paying extra just to access your cash.
In addition to its ATM perks, this account also offers competitive interest rates and solid online banking features. It’s a great choice for those who want a checking account that combines convenience with global accessibility.