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Banking Savings & Money Market Accounts

5 Best Savings Accounts With Debit Cards or ATM Cards

These online savings accounts offer debit cards or ATM cards for convenient cash access.

Robin Kavanagh
By Robin Kavanagh
Lauren Graves
Edited by Lauren Graves
Updated Jan. 24, 2025
Fact checked

Most savings accounts limit you to electronic transfers when you need to use your savings, with no options for quick and easy cash access. Most.

Some savings accounts, however, include dedicated debit or ATM cards connected directly to your savings. These ATM cards can be used to take cash out almost instantly, and the debit cards work like any other debit card — you can spend your balance without any extra steps. Savings accounts with debit cards aren't very common, but there are enough good options out there for anyone to find one that meets their needs. We've studied the most popular accounts with this feature to narrow your choices. Since high annual percentage yields (APYs) and low fees are the most important features to look for in savings, we've only chosen accounts that offer both.

Some of the best savings accounts with debit cards or ATM cards include options from UFB, SoFi®, LendingClub, Quontic, and Synchrony, according to our research.

Featured High Yield Savings Accounts

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2025 award winner Best Checking and Savings Combo

SoFi Checking & Savings - Earn Up to $300 When You Set Up Direct Deposit

Earn up to 3.80% APY1 and collect up to a $300 cash bonus with direct deposit or $5,000 or more in qualifying deposits.2 FDIC Insured.3

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4.8
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Synchrony Bank High Yield Savings - 4.00% APY

Let your money work for you with great rates: count on it. Open a High Yield Savings account with Synchrony today. Member FDIC.4

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How we evaluate products

Top savings accounts with debit or ATM cards

Compare savings accounts that offer cash access

Great for… APY
UFB Portfolio Savings Large ATM network Up to 4.01% (as of 04/25/25)5
SoFi Checking and Savings Debit card spending Up to 3.80% (with direct deposit)1
LendingClub LevelUp Savings Frequent cash deposits Up to 4.40%6
Quontic High-Yield Savings Debit card and checks 4.25% (as of 03/05/25)7
Synchrony Bank High Yield Savings Avoiding ATM fees 4.00% on all balances4

UFB Portfolio Savings

Great for: Large ATM network

Product details:

APY: Up to 4.01% (as of 04/25/25)

Cash access: ATM card

ATM network: 91,000+ ATMs nationwide

Monthly fee: None

UFB Direct, a division of Axos Bank, offers a strong APY for its high-yield savings account without balance requirements or monthly fees. It consistently ranks as one of the best savings accounts in our research across different categories, but you'll see us recommend it again and again for savers who want cash access.

UFB is an online bank without ATMs of its own, but its parent bank partners with the expansive Allpoint network and offers fee-free access to ATMs at CVS and Walgreens, gas stations, Target, and more. It has one of the largest ATM networks we've seen, so we recommend this account for anyone who wants to access their savings from almost anywhere in the country.

Just note that while there are no limits on how many funds transfers you can make each month, a nice perk in and of itself, there is a daily cash withdrawal limit of $510 for ATM cards. You can also deposit cash at ATMs that allow this. Use the ATM locator to find a machine near you.

Pros
  • High APY
  • No minimum deposit or balance requirements
  • Large free ATM network
  • Very highly rated mobile app
  • 24/7 customer service
Cons
  • Daily cash withdrawal limit of $510 for ATM cards
  • Account names and features often change

Visit UFB

SoFi Checking and Savings

Great for: Debit card spending

Product details:

APY: Up to 3.80% with direct deposit, 1.00% (as of 01/24/25) APY without direct deposit1

Cash access: Debit card

ATM network: 55,000+ ATMs within the Allpoint network8

The SoFi Checking and Savings account will always be one of our favorites for high-interest savings, and we included it on this list because it's one of the only savings accounts with a debit card out there. This joint account, which technically combines the features of checking and savings under one roof, has no minimum balance or monthly fee9, and we've only ever been impressed by its earning rate (even when APYs change across the board). You'll earn 0.50% (as of 01/24/25) APY on checking balances with direct deposit, plus up to 3.80% APY with direct deposit on your savings.

The biggest downside to be aware of for this account is the direct deposit requirement. Savings accounts don't usually require direct deposit activity to open or earn the best APY, but this one does. However, all you need to do is link direct deposit and receive a transfer every month to earn up to 3.80% APY on savings — there's no minimum amount you have to reach. We recommend this account to anyone who wants to spend directly from their savings, without the hassle of withdrawing cash or transferring funds first.

SoFi is a Member FDIC.3

Pros
  • High APY
  • No minimum deposit or balance requirements
  • Earns interest on both checking and savings balances
  • Competitive rates without direct deposit
Cons
  • Requires direct deposit activity to qualify for the best rate
  • No separate savings account
  • No limits on savings withdrawals
  • SoFi doesn't offer other bank accounts

Visit SoFi | Read our SoFi Checking and Savings Review

LendingClub LevelUp Savings

Great for: Frequent cash deposits

Product details:

APY: Up to 4.40%6

Cash access: ATM card

ATM network: 40,000+ within the MoneyPass and SUM networks

This is another unique savings account, and not just because it includes a free ATM card. LendingClub LevelUp Savings is our pick for the best savings account for cash deposits because it already requires you to regularly add money to qualify for the best rate. To unlock the stated 4.40% APY, you need to deposit at least $250 into this account each month. Otherwise, you'll earn 3.40% (as of 04/11/25) APY6. While this still blows the national average savings rate of 0.41% (as of 4/21/25), according to the FDIC, out of the water, that higher tier is well worth setting your sights on. We appreciate that you can make as many deposits as you want in a month to reach $250 — it doesn't have to be one deposit, and cash deposits at participating ATMs count (use the ATM locator to find deposit-taking machines that are in-network).

If this deposit requirement sounds more like it would drag you down than push you in a good way, this account probably isn't for you and we'd suggest one of the others on this list instead. But if you know you'll be visiting ATMs often to add money, maybe because you get paid in tips or do a lot of side jobs for cash, then having this account could nudge you to put that money right into your savings.

Pros
  • High APY
  • No minimum opening deposit or balance requirement
  • Very highly rated mobile app
  • Unlimited ATM fee rebates
Cons
  • Monthly deposit requirement to earn best rate
  • No regular savings account without monthly deposit requirements

Visit LendingClub | Read our LendingClub LevelUp High-Yield Savings Account Review

Quontic Bank Money Market Account

Great for: Debit card + checks

Product details:

APY: 4.25% (as of 03/05/25)

Cash access: Debit card and checks

ATM network: 90,000 fee-free ATMs (AllPoint, MoneyPass, SUM, or Citibank ATMs)

Money market accounts (MMAs) are a type of savings account that tend to offer more flexibility than regular savings accounts and that typically include easier cash access. The Quontic Bank Money Market Account, for example, offers not only a debit card but also the option to write checks. These features are common in money market savings accounts, but we chose this account from Quontic because it has lower deposit and balance minimums than many MMAs with a better rate. It requires just $100 to open, which is pretty modest, considering some accounts require you to fork over $1,000 or more as a deposit.

You can think of a money market account sort of like a checking account with a higher APY, but you shouldn't use it as often as a regular checking account. This is because MMAs are still savings accounts, and they commonly have monthly withdrawal restrictions of six. This Quontic account does, too.

Pros
  • High APY
  • No minimum balance to earn interest
  • Robust mobile banking features
Cons
  • Daily ATM withdrawal limit of $500
  • $100 minimum opening deposit
  • Monthly withdrawals limited to six per month

Visit Quontic Bank | Read our Quontic Bank Review

Synchrony Bank High Yield Savings

Great for: Avoiding ATM fees

Product details:

APY: 4.00% on all balances

Cash access: ATM card

ATM network: 400,000+ ATMs in the Plus or Accel network

The Synchrony Bank High Yield Savings account offers cash access through an ATM card, like UFB Portfolio Savings and LendingClub LevelUp Savings. It stands out from other savings accounts we analyzed for providing up to $5 in monthly ATM fee reimbursements when you use out-of-network ATMs. None of the accounts we've included on this list will charge you for using in-network ATMs, but they have much smaller networks than Synchrony, which partners with Accel (a network of over 412,000 machines in the U.S.). You may have to try to find an ATM that isn't in-network with Synchrony, but if you do, you'll get rebates every statement cycle for any fees the ATM operator charges, up to $5.

We also like this savings account because it's low maintenance. It has no monthly fees or minimums, which sets it apart from others on this list, and you'll earn the best rate regardless of your balance or activity.

Pros
  • High APY
  • No minimum balance to earn interest
  • Reimbursement for some ATM fees
Cons
  • Limit to ATM reimbursements of ATM operator fees
  • Daily ATM withdrawal limit of $1,000

Visit Synchrony | Read our Synchrony Bank review

How to choose a savings account with a debit or ATM card

When you're comparing savings accounts that offer cash access, like the ones we've featured on this list, consider these factors:

  • Type of cash access: Savings accounts can either offer ATM cards or debit cards. You won't see both, and it's not common to see either. That's why you'll want to start your search with savings accounts that do offer cash access, if this is important to you, then decide whether you'd benefit more from being able to add or withdraw cash at an ATM or spending directly from your balance with a debit card.
  • ATM availability: If you're going to use ATMs regularly to access your savings balance, you'll need to make sure fee-free ATMs will be easy to find. All of the savings accounts on this list offer surcharge-free networks of at least 40,000 machines, but some have many more or tack on additional perks, like fee rebates for out-of-network transactions.
  • APYs: This is always the most important feature of any savings account. High-yield savings accounts earn above-average rates, with many of the best earning 4.00% APY or more. As you research a few options, don't settle for a rate that's significantly lower than the best rate you find.
  • Minimums and fees: Some savings accounts have minimum opening deposit or ongoing balance requirements, but many do not. Savings accounts with online banks are less likely to have these minimums — and monthly maintenance fees — than accounts with brick-and-mortar banks.
  • Transaction restrictions: If you're looking for a savings account with a debit or ATM card because you intend to dip into your balance, check to make sure withdrawal and transfer restrictions won't cramp your style. Many savings accounts limit withdrawals to six per month, but some — like SoFi Checking and Savings — have no such restrictions.

Pro tip
Using a savings account with a debit or ATM card for your emergency fund is a smart move because you'll be able to access your money at a moment's notice without the delay of transferring funds to a checking account and using them that way.

FAQs

Do savings accounts come with ATM cards?

Some savings accounts come with ATM cards. Some banks may send an ATM card automatically, but you may need to request a card with other banks. And other banks may not offer ATM cards because the number of fee-free withdrawals you can make is typically limited.

Can I use my savings ATM card at any ATM?

You typically can use your ATM card at any ATM, but you may be charged fees if you use an ATM that's outside of your bank's network. Check your bank's listing of in-network ATMs to be sure.

Can you withdraw cash from any savings account at an ATM?

No, you can't withdraw cash directly from just any savings account at an ATM. If you have a traditional savings account with a brick-and-mortar institution like Chase or Bank of America, you can typically just visit a bank branch to make a savings withdrawal with the help of a teller. But if you have a savings account with an online bank, you'll have to choose an account that offers cash access via an ATM or debit card since you won't be able to visit a branch.

Bottom line

Savings accounts don't always come with debit cards or ATM access, but plenty do. UFB, SoFi, and LendingClub are a few companies that set themselves apart from other platforms by providing cash access for their high-yield savings accounts.

All of the accounts we've included on this list are available from online banks, offer the potential to earn a competitive APY, and charge minimal fees.

UFB Portfolio Savings
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4.8
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Earn up to 4.01% APY5 to maximize your saving potential
No minimum deposit requirement
No monthly maintenance fees
Access your funds 24/7 with easy-to-use digital banking tools
Free transfers between direct deposit accounts
FDIC Insured