I haven’t paid an ATM fee in ages because I use an Ally Bank checking account. They will reimburse me $10 per statement cycle on fees charged by another bank when I use their ATM. They also have a partnership with Allpoint and MoneyPass so I can access my cash through those networks without paying a fee.

$10 isn’t a lot but I don’t need cash often so it’s actually a perk I rarely use.

If you’re paying ATM fees for using other banks, you should consider switching to a bank that will reimburse you for those fees. Sadly, many of the best online banks do not offer ATM reimbursement as a perk (I checked Sofi, Capital One, Discover, CIT Bank, and a few more).

Here are some major banks that offer this and their terms, listed in alphabetical order:

Alliant Credit Union

Alliant Credit Union is a nationwide credit union that has 80,000+ fee-free ATMs but they will reimburse you up to $20 in ATM fees per month. The rebates are deposited into your account at the end of the day they are charged, which is a nice touch.

Here is our review of Alliant Credit Union.

Ally Bank

Ally Bank partners with the Allpoint and Moneypass networks so you get access to thousands of fee free ATMs but they will reimburse you up to $10 each statement cycle for fees charged by other ATMs. Ally will not charge you an additional fee though.

The checking account interest rate is tiny, which is common, but their savings account currently yields 3.70% APY. It’s not the top rate possible but it’s competitive.

Here is our Ally Bank review.

Axos Bank

Axos Bank, through its various checking products, offers unlimited ATM fee reimbursements, which is quite rare. most banks offer limited reimbursement but Axos goes beyond that. For example, on their Essential Checking account, you get early direct deposit, no overdraft, NSF, or monthly maintenance fees on top of unlimited ATM fee reimbursements.

The savings account available through Axos currently yields 4.66% APY.

Here is our Axos Bank review.

Betterment

Betterment, best known as a roboadvisor, offers unlimited ATM fee reimbursement on their checking accounts and that reimbursement will come as a credit the following calendar day. This extends internationally too, they will reimburse any ATM worldwide and will also reimburse you the Visa 1% transaction fee on foreign transactions, purchases, and ATM transactions.

Here is our Betterment review.

Charles Schwab Bank

Charles Schwab Investor Checking is Charles Schwab’s checking account and it offers unlimited ATM fee rebates on their Schwab Bank Visa Platinum Debit Card. Again, unlimited ATM reimbursement is rare and this is appealing if you already have a Charles Schwab account. Reimbursement happens at the end of the month.

Consumers Credit Union

Consumers Credit Union is the second credit union that made this list and they offer unlimited reimbursement of any and all ATM fees on their Rewards Checking account. They also have partnerships that allow you to use 30,000 surcharge-free ATMs but they’ll reimburse you for any fees you do get charged if you can’t find one of those ATMs.

Fidelity Cash Management Account

Fidelity will reimburse all ATM fees when you use their card linked to a Fidelity Cash Management Account. If you have a card linked to a Fidelity Account® Premium, Active Trader VIP, Private Client Group, Wealth Management, current or former Youth accounts owners, all ATM fees are reimbursed as well.

TD Bank

TD Bank offers reimbursement on their checking accounts, such as the TD Beyond Checking account. With that account, you get non-TD Bank fees reimbursed at all ATMs when you have at least a $2,500 daily balance.

TIAA

TIAA will reimburse you up to $15 for ATM fees charged by other banks but if you have an average daily balance above $5,000, they will reimburse you an unlimited number of times and amount. You can read the terms here.

USAA

USAA has partnered with networks that get you 100,000+ ATMs with no fees but if you can’t find one, they will reimburse you up to $10 each monthly statement cycle in ATM fees.

Wells Fargo

Wells Fargo offers ATM fee reimbursement on their Premier Checking and Prime Checking accounts. With Premier Checking, they will reimburse all fees but that account requires you to have a $250,000 minimum balance each month to avoid the $35 a month fee! The Prime Checking account, which requires a $20,000 minimum balance to avoid a $25 monthly fee, will reimburse you the first U.S. and first international fee each period.