Best Money Market Accounts [2025]: High-Rate Savings With Cash Access
The best money market accounts come with no fees and no or low minimum balance requirements, and many earn interest rates better than or comparable to top APYs on high-yield savings accounts.
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When you have money you'd like to save but may need to spend, opening a money market account (MMA) can be a very good idea. With an MMA, you could earn a high interest rate while still having access to your money. These accounts often offer cash access in the form of check writing, debit cards, and/or ATM cards, and while some have monthly transaction limitations, others don't.
Online banks like ZYNLO Bank, Vio Bank, and Quontic Bank offer many of the best money market rates. We'll go over the best rates from several banks and financial technology companies that offer high annual percentage yields (APYs), minimal fees, and make it easy to access your funds.
FinanceBuzz writers and editors score products and companies on a number of objective features as well as our expert editorial assessment.
Our partners do not influence our ratings.
4.00%Earn up to 4.00% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.30% APY as of 12/23/25) for up to 6 months. Open a new SoFi Checking and Savings account and pay the $10 SoFi Plus subscription every 30 days OR receive eligible direct deposits OR qualifying deposits of $5,000 every 31 days by 1/31/26. Rates variable, subject to change. Terms apply at sofi.com/banking#2. SoFi Bank, N.A. Member FDIC.
Minimum Balance for APY
$0
Bonus Offer
Up to $300New and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus of either $50 (with at least $1,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period) OR $300 (with at least $5,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period). Cash bonus will be based on the total amount of Eligible Direct Deposit. If you have satisfied the Eligible Direct Deposit requirements but have not received a cash bonus in your Checking account, please contact us at 855-456-7634 with the details of your Eligible Direct Deposit. Direct Deposit Promotion begins on 12/7/2023 and will be available through 1/31/2026. Full terms at sofi.com/banking. SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC.SoFi members with Eligible Direct Deposit can earn 3.30% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the 3.30% APY for savings (including Vaults). Members without Eligible Direct Deposit will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 12/23/25. There is no minimum balance requirement. Fees may reduce earnings. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet.
Why We Like It
Earn a $50 or $300 bonus and up to 4.00% APY1 <p>New and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus of either $50 (with at least $1,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period) OR $300 (with at least $5,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period). Cash bonus will be based on the total amount of Eligible Direct Deposit. If you have satisfied the Eligible Direct Deposit requirements but have not received a cash bonus in your Checking account, please contact us at 855-456-7634 with the details of your Eligible Direct Deposit. Direct Deposit Promotion begins on 12/7/2023 and will be available through 1/31/2026. Full terms at sofi.com/banking. SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC.</p><p>SoFi members with Eligible Direct Deposit can earn 3.30% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the 3.30% APY for savings (including Vaults). Members without Eligible Direct Deposit will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 12/23/25. There is no minimum balance requirement. Fees may reduce earnings. Additional information can be found at <a href="http://www.sofi.com/legal/banking-rate-sheet">http://www.sofi.com/legal/banking-rate-sheet</a>.</p> on your money with eligible direct deposit
Limited-Time Offer: +0.70% Boost on Savings APY for 6 months on new accounts with eligible Direct Deposit. Terms Apply.2 <p>Earn up to 4.00% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.30% APY as of 12/23/25) for up to 6 months. Open a new SoFi Checking and Savings account and pay the $10 SoFi Plus subscription every 30 days OR receive eligible direct deposits OR qualifying deposits of $5,000 every 31 days by 1/31/26. Rates variable, subject to change. Terms apply at <a href="https://www.sofi.com/banking/#2">sofi.com/banking#2</a>. SoFi Bank, N.A. Member FDIC.</p>
No account, overdraft, or monthly fees3 <p>We do not charge any account, service or maintenance fees for SoFi Checking and Savings. We do charge a transaction fee to process each outgoing wire transfer. SoFi does not charge a fee for incoming wire transfers, however the sending bank may charge a fee. Our fee policy is subject to change at any time. See the SoFi Checking & Savings Fee Sheet for details at <a href="http://sofi.com/legal/banking-fees/">sofi.com/legal/banking-fees/</a></p>
Get your paycheck up to two days early with direct deposit4 <p>Early access to direct deposit funds is based on the timing in which we receive notice of impending payment from the Federal Reserve, which is typically up to two days before the scheduled payment date, but may vary.</p>
Access additional FDIC insurance up to $3 million5 <p><b style="font-family: Rubik, -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;">SoFi Bank is a member FDIC and does not provide more than $250,000 of FDIC insurance per depositor per legal category of account ownership, as described in the FDIC’s regulations. Any additional FDIC insurance is provided by the SoFi Insured Deposit Program. Deposits may be insured up to $3M through participation in the program. See full terms at <a href="http://sofi.com/banking/fdic/sidpterms">SoFi.com/banking/fdic/sidpterms</a>. See list of participating banks at <a href="http://sofi.com/banking/fdic/participatingbanks">SoFi.com/banking/fdic/participatingbanks</a>.</b></p>
When evaluating the best money market accounts, we considered factors such as APYs, minimum deposit requirements, minimum balance requirements, and monthly service fees. Because money market accounts are designed for saving, we gave preference to accounts with the highest rates and no monthly maintenance fees. We also avoided including any accounts with prohibitively high minimum deposit or balance requirements, as well as those with long lists of access restrictions or usage fees. Additionally, we considered ease of account opening and cash accessibility features such as checkbooks and debit cards.
The companies we chose for our best money market account rates list may be current or past FinanceBuzz partners. We did not review all companies in the market.
Key takeaways
Money market accounts earn 0.58% (as of 12/15/25) APY6 <p class="">The product and annual percentage yield (APY) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your area. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. Always verify account details and availability with the financial institution before opening an account.<br></p> on average, according to national FDIC data.
MMAs provide more access to your money than certificates of deposit (CDs), and you can often use debit cards or paper checks with an MMA like you would a checking account.
Best money market accounts comparison
Account
Best for
APY
Minimum deposit
ZYNLO Money Market Account
High interest rates
4.25% (as of 10/09/25)
$10
Quontic Bank Money Market Account
Banking in one place
4.25% (as of 11/03/25)
$100
EverBank Performance℠ Money Market
ATM fee reimbursements
4.00 (as of 10/16/25) intro rate, then 2.02-4.00% (as of 10/17/25)
$0
Vio Bank Cornerstone Money Market Savings Account
Incoming wire transfers
4.03% (as of 10/31/25)
$100
UFB Portfolio Money Market
Unlimited transfers
Up to 3.40%
$0
Discover® Money Market Account*
No fees
Up to 3.30-3.35% (as of 10/29/25)
$0
ZYNLO Money Market Account
Best for high interest rates
Account details
APY: 4.25% (as of 10/09/25)
Minimum deposit: $10
To open an MMA with ZYNLO Bank, you'll need a $10 minimum deposit, and you only need to maintain a balance of one penny to receive 4.25% (as of 10/09/25) APY on the account.
ZYNLO Bank is a completely online bank that provides financial services through PeoplesBank of Massachusetts. Its MMA is one of the best overall because it has no transaction limits, penalties, or fees. However, the bank doesn't offer checks with the account.
ZYNLO Bank is FDIC insured.
Pros
No transaction limits
No fees
$0.01 minimum balance to obtain APY
Cons
No checks provided
ZYNLO offers very few account types
Fewer/lower mobile app reviews compared to other banks
Quontic Bank Money Market Account
Best for banking in one place
Account details
APY: 4.25% (as of 11/03/25) on all balance tiers
Minimum deposit: $100
Quontic is a digital bank founded in 2009 that reimagines traditional banking. It offers more account options than many online banks, including stand-out checking accounts, a high-rate savings account, and many competitive CDs. If you're looking to open more than just a money market account now or in the future, Quontic is a good place to do that.
Quontic's Money Market Account provides a high 4.25% (as of 11/03/25) APY on all balance tiers with no monthly fees or overdraft fees. You'll need $100 to open an account, and once you fund your account, you can access your funds with a debit card, bill pay, account transfers, and Zelle.
However, you're limited to six free transfers and withdrawals per statement cycle. Any transactions over six will cost you $10 each. There are also hefty fees for outgoing wire transfers, both foreign and domestic.
Limited to six transfers and withdrawals per statement cycle
$10 fee for each transaction over six
Fees for wire transfers
EverBank Performance℠ Money Market
Best for ATM fee reimbursements
Account details
APY: 4.00 (as of 10/16/25) intro rate, then 2.02-4.00% (as of 10/17/25)
Minimum deposit: $0
EverBank, formerly TIAA Bank, offers the EverBank Performance℠ Money Market with a 4.00 (as of 10/16/25) introductory APY that you can open with no minimum deposit. However, this is only an introductory rate, and the interest earned on the MMA drops after a year based on the balance in your account. After the one-year introductory APY is over, your APY will be 2.02-4.00% (as of 10/17/25), depending on your balance tier.
EverBank charges no monthly account fees, overdraft transfer fees, or official check fees. There are also no ATM fees, and the bank will even reimburse ATM fees you pay at other banks. If you have a minimum average daily balance of $5,000, you'll receive unlimited ATM fee reimbursements, and if your account is under $5,000, the bank will reimburse up to $15 per month in ATM fees.
EverBank is FDIC insured.
Pros
No monthly account fee
No ATM fees
Reimburses up to $15/month in ATM fees from other banks
Cons
High introductory rate drops after one year
Lower account balances may earn lower interest rates
Must be an existing customer to open an MMA
Vio Bank Cornerstone Money Market Savings Account
Best for incoming wire transfers
Account details
APY: 4.03% (as of 10/31/25) on any balance
Minimum deposit: $100
Vio Bank is an online bank division of MidFirst Bank, the largest privately owned U.S. bank with $39.5 billion in assets. Vio Bank only offers online savings accounts, MMAs, and CDs; it doesn't provide checking accounts or other financial products.
Vio Bank's Cornerstone Money Market Savings Accounts earn a generous 4.03% (as of 10/31/25) APY, but that rate comes with some conditions that other MMAs may not have. You won't be able to use a debit card, paper checks, or bill pay. You can do an external transfer through an ACH transaction to an outside bank, but that can take up to five days to process. Still, this is one of the best accounts for incoming wire transfers because it doesn't charge for these, so this would be a good option if you plan to wire money to yourself to fund it.
Vio Bank is FDIC-insured through MidFirst Bank.
Pros
Same interest earned on all balances
No monthly fee
No charge for incoming domestic and international wire transfers
Cons
No debit card, wallet checks, or bill pay
$30 fee for outgoing domestic wire transfers
No outgoing international wire transfers
UFB Portfolio Money Market
Best for unlimited transfers
Account details
APY: Up to3.40% on all balance tiers
Minimum deposit: $0 (but must maintain $5,000 to avoid monthly fee)
UFB Direct is an online bank division of Axos Bank, which primarily provides high-yield savings accounts, MMAs, and mortgages. The bank offers one of the highest-interest MMAs with up to a 3.40% APY on all balance tiers.
UFB Portfolio Money Market accounts come with an ATM card and check-writing privileges. We also think this account stands out because there are no limits on the number of fund transfers you can make, which many money market accounts enforce. But although there's no minimum balance required to open an account, you'll be subject to a $10 monthly maintenance fee if your account balance is less than $5,000.
UFB Direct is FDIC-insured through Axos Bank.
Pros
No limits on fund transfers
No minimum opening balance
Check writing privileges
Cons
$10 monthly maintenance fee for balances under $5,000
UFB Direct offers limited accounts
Editor's note
While the online banking platform offers few other bank accounts, UFB Portfolio Savings account is one of the best no-minimum savings accounts we've found.
Discover® Money Market Account
Best for no fees
Account details
APY: Up to 3.30-3.35% (as of 10/29/25) depending on balance
Minimum deposit: $0
A household name with top-notch products like Discover checking and savings accounts, CDs, and MMAs, Discover is an all-around excellent online bank. The Discover® Money Market Account offers a competitive APY up to 3.30-3.35% (as of 10/29/25), depending on your account balance. While this isn't the highest rate possible for this type of account, it is still great compared to many accounts and certainly the national average.
You can open a Discover® Money Market Account with any amount of money, no minimum required. Once opened, the account doesn't charge fees for monthly maintenance, insufficient funds, or excessive withdrawals. There is also no minimum balance requirement. The only fee we can see with Discover's MMA is a $30 service charge for outgoing wire transfers.
You can access your money through a debit card, ATMs, or paper checks. However, there is a $2,000 daily limit on ATM withdrawals.
Discover is FDIC insured.
*Details about Discover have been collected by FinanceBuzz editors. This information is accurate as of the date of the review and was not reviewed or approved by the issuer. FinanceBuzz does not receive commission for this product.
When it comes to choosing the best money market account rates, there are several factors that you need to consider besides the interest an MMA earns. While some accounts may earn a high APY, the bank may require you to maintain a certain minimum balance to earn that rate. Here are the account features you should consider when choosing the best money market account rates for you.
Interest rates: The higher the APY is on an MMA, the more your money will earn in interest. However, some banks will advertise a high APY on their website, but when you read the fine print, you may find you have to maintain a certain balance to earn the high rate.
Accessibility to funds: The advantage of an MMA over a CD is that you have more access to your funds. You should find out if the account provides you with a debit card or checks and if there are any limits on how many transactions you can make in a month or statement cycle.
Fees: Some banks will charge a monthly maintenance fee for an MMA or other fees for wire transfers, excessive transactions, or expedited delivery. Remember, fees eat away at any interest you earn on the account.
Minimum balances required: The best MMAs enable you to earn the same high APY regardless of how much money you have in the account.
Opening deposit: The opening deposit is the amount of money the bank requires you to have to open an MMA. Most accounts we looked at needed between $0 to $100 to open except for Discover, which requires a hefty opening deposit of $2,500.
Withdrawal limits: Many MMAs give you a high interest rate in exchange for limits on the number of transactions and withdrawals you make. The typical transaction limit is six per month, after which you are either charged a fee or prevented from making any further transactions.
5.0
FinanceBuzz writers and editors score products and companies on a number of objective features as well as our expert editorial assessment.
Our partners do not influence our ratings.
2025 award winnerBest Checking and Savings Combo
SoFi Checking & Savings - Earn Up to $300 When You Set Up Direct Deposit
Limited-Time Offer: Earn a $50 or $300 bonus and up to 4.00% APY on Savings (3.30% APY1 <p>New and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus of either $50 (with at least $1,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period) OR $300 (with at least $5,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period). Cash bonus will be based on the total amount of Eligible Direct Deposit. If you have satisfied the Eligible Direct Deposit requirements but have not received a cash bonus in your Checking account, please contact us at 855-456-7634 with the details of your Eligible Direct Deposit. Direct Deposit Promotion begins on 12/7/2023 and will be available through 1/31/2026. Full terms at sofi.com/banking. SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC.</p><p>SoFi members with Eligible Direct Deposit can earn 3.30% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the 3.30% APY for savings (including Vaults). Members without Eligible Direct Deposit will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 12/23/25. There is no minimum balance requirement. Fees may reduce earnings. Additional information can be found at <a href="http://www.sofi.com/legal/banking-rate-sheet">http://www.sofi.com/legal/banking-rate-sheet</a>.</p> with +0.70% APY Boost) for 6 Months on new accounts with eligible direct deposit. Terms Apply.2 <p>Earn up to 4.00% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.30% APY as of 12/23/25) for up to 6 months. Open a new SoFi Checking and Savings account and pay the $10 SoFi Plus subscription every 30 days OR receive eligible direct deposits OR qualifying deposits of $5,000 every 31 days by 1/31/26. Rates variable, subject to change. Terms apply at <a href="https://www.sofi.com/banking/#2">sofi.com/banking#2</a>. SoFi Bank, N.A. Member FDIC.</p> FDIC Insured.5 <p><b style="font-family: Rubik, -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;">SoFi Bank is a member FDIC and does not provide more than $250,000 of FDIC insurance per depositor per legal category of account ownership, as described in the FDIC’s regulations. Any additional FDIC insurance is provided by the SoFi Insured Deposit Program. Deposits may be insured up to $3M through participation in the program. See full terms at <a href="http://sofi.com/banking/fdic/sidpterms">SoFi.com/banking/fdic/sidpterms</a>. See list of participating banks at <a href="http://sofi.com/banking/fdic/participatingbanks">SoFi.com/banking/fdic/participatingbanks</a>.</b></p>
FinanceBuzz writers and editors score products and companies on a number of objective features as well as our expert editorial assessment.
Our partners do not influence our ratings.
Use Cash App As Your All-in-One Financial Services Platform
Bank7 <p>Cash App is a financial services platform, not a bank. Banking services provided by Cash App’s bank partner(s). Savings provided by Cash App, a Block, Inc. brand.</p><p class="">Cash App is a financial services platform, not a bank. Banking services provided by Cash App’s bank partner(s). Direct Deposit provided by Cash App, a Block, Inc. brand.</p> without all the fees—save, send, and spend your money the way you want.8 <p class="">Your balance is eligible for FDIC pass-through insurance through our Program Banks Wells Fargo Bank, N.A. and/or Sutton Bank, Members FDIC for up to $250,000 per customer when aggregated with all other deposits held in the same legal capacity at each Program Bank above, if certain conditions are met. Cash App is a financial services platform, and not an FDIC-insured bank. Prepaid debit cards issued by Sutton Bank, Member FDIC. See <a href="https://cash.app/legal/us/en-us/card-agreement">terms and conditions</a>. </p> Get paid up to 2 days early – up to 2 days earlier than most banks9 <p>Your first deposit may take longer depending on your employer.</p>
FinanceBuzz writers and editors score products and companies on a number of objective features as well as our expert editorial assessment.
Our partners do not influence our ratings.
2025 award winnerBest for Customer Service
American Express® Savings - 3.40% annual percentage yield (APY)10 <p>The Annual Percentage Yield (APY) as advertised is accurate as of November 26, 2025. Interest rate and APY are subject to change at any time without notice before and after a High Yield Savings Account is opened. Interest Rate and APY of a Certificate of Deposit account is fixed once the account is funded.</p>
High Yield Savings Account. No Minimum Required Deposit or Balance.11 <p class="">There is no minimum balance required to open your Account, to avoid being charged a fee, or to obtain the Annual Percentage Yield (APY) disclosed to you.</p> Terms Apply.
What is the difference between money market rates and bank rates?
The difference between money market rates and bank rates is that interest rates on the money market are usually higher than you would get on a traditional savings account.
Is there a money market account with no minimum balance?
Many of the MMAs we've reviewed here have no minimum balance requirement or minimum deposit to open. It's possible to find many money market accounts without minimums, including from institutions like EverBank and UFB Direct, but it's also very common for these accounts to have minimums of $100 or more to open.
Bottom line
Having a money market account is worth it if you want to earn more with the money you already have. Many MMAs earn high interest rates while enabling you to access your funds if and when needed. While there may be restrictions on the number of transactions you can make with an MMA versus a traditional checking or savings account, the earning potential could be worth it for savers.
Of the MMAs we recommend, ZYNLO Bank, Vio Bank, and Quontic Bank offer the highest interest rates, while EverBank, UFB Direct, and Discover offer benefits like no opening deposit requirements. And if it's access you're most interested in, check out our list of the best savings account options with ATM access.
FinanceBuzz writers and editors score products and companies on a number of objective features as well as our expert editorial assessment.
Our partners do not influence our ratings.
2025 award winnerBest Checking and Savings Combo
High APY of up to 4.00% on Savings (3.30% APY1 <p>New and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus of either $50 (with at least $1,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period) OR $300 (with at least $5,000 total Eligible Direct Deposits received during the Direct Deposit Bonus Period). Cash bonus will be based on the total amount of Eligible Direct Deposit. If you have satisfied the Eligible Direct Deposit requirements but have not received a cash bonus in your Checking account, please contact us at 855-456-7634 with the details of your Eligible Direct Deposit. Direct Deposit Promotion begins on 12/7/2023 and will be available through 1/31/2026. Full terms at sofi.com/banking. SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC.</p><p>SoFi members with Eligible Direct Deposit can earn 3.30% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the 3.30% APY for savings (including Vaults). Members without Eligible Direct Deposit will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 12/23/25. There is no minimum balance requirement. Fees may reduce earnings. Additional information can be found at <a href="http://www.sofi.com/legal/banking-rate-sheet">http://www.sofi.com/legal/banking-rate-sheet</a>.</p> with +0.70% APY Boost) for 6 Months on new accounts with eligible direct deposit. Terms Apply.2 <p>Earn up to 4.00% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.30% APY as of 12/23/25) for up to 6 months. Open a new SoFi Checking and Savings account and pay the $10 SoFi Plus subscription every 30 days OR receive eligible direct deposits OR qualifying deposits of $5,000 every 31 days by 1/31/26. Rates variable, subject to change. Terms apply at <a href="https://www.sofi.com/banking/#2">sofi.com/banking#2</a>. SoFi Bank, N.A. Member FDIC.</p>
Paycheck access up to 2 days early with direct deposit4 <p>Early access to direct deposit funds is based on the timing in which we receive notice of impending payment from the Federal Reserve, which is typically up to two days before the scheduled payment date, but may vary.</p>
No monthly maintenance or overdraft fees3 <p>We do not charge any account, service or maintenance fees for SoFi Checking and Savings. We do charge a transaction fee to process each outgoing wire transfer. SoFi does not charge a fee for incoming wire transfers, however the sending bank may charge a fee. Our fee policy is subject to change at any time. See the SoFi Checking & Savings Fee Sheet for details at <a href="http://sofi.com/legal/banking-fees/">sofi.com/legal/banking-fees/</a></p>
Streamlined savings and savings goals with Vaults
Access to a large ATM network12 <p>We’ve partnered with Allpoint to provide you with ATM access at any of the 55,000+ ATMs within the Allpoint network. You will not be charged a fee when using an in-network ATM, however, third-party fees may be incurred when using out-of-network ATMs. SoFi’s ATM policies are subject to change at our discretion at any time.</p>
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