5 Best Savings Accounts With Debit Cards or ATM Cards [2025]

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 <p>SoFi members who enroll in SoFi Plus with Eligible Direct Deposit or by paying the SoFi Plus Subscription Fee every 30 days or SoFi members with $5,000 or more in Qualifying Deposits during the 30-Day Evaluation Period can earn 3.80% 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 stated interest rate. Members without either SoFi Plus or Qualifying Deposits, during the 30-Day Evaluation Period 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 1/24/25. There is no minimum balance requirement. If you have satisfied Eligible Direct Deposit requirements for our highest APY but do not see 3.80% APY on your APY Details page the day after your Eligible Direct Deposit arrives, please contact us at 855-456-7634. 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>. See the SoFi Plus Terms and Conditions at <a href="https://www.sofi.com/terms-of-use/#plus">https://www.sofi.com/terms-of-use/#plus</a>.</p> and collect up to a $300 cash bonus with direct deposit or $5,000 or more in qualifying deposits.² <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 <a href="https://www.sofi.com/banking/">sofi.com/banking</a>. SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC.</p><p>SoFi members with Eligible Direct Deposit can earn 3.80% 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 3.80% 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 1/24/25. There is no minimum balance requirement.&nbsp;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> FDIC Insured.³ <p><b style="font-family: Rubik, -apple-system, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, &quot;Helvetica Neue&quot;, 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.&nbsp;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&nbsp;<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>

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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 <p>Annual Percentage Yield (APY) is subject to change at any time without notice. Rate accurate as of 2/4/2025. Offer applies to personal accounts only. Fees may reduce earnings. For High Yield Savings accounts, the rate may change after the account is opened. Visit synchrony.com/banking for current rates, terms and account requirements. Member FDIC.</p>

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Compare savings accounts with debit or ATM cards

UFB Portfolio Savings

UFB Direct, a division of Axos Bank, offers a strong APY for its UFB Portfolio 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.

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SoFi Checking and Savings

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 <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> , 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 <p><b style="font-family: Rubik, -apple-system, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, &quot;Helvetica Neue&quot;, 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.&nbsp;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&nbsp;<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>

Visit SoFi | Read our SoFi Checking and Savings Review

LendingClub LevelUp Savings

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 <p>LevelUp Rate of 4.40% Annual Percentage Yield (“APY”) is applied to the full balance of LevelUp Savings accounts that receive a total of at least $250 in deposits during the Evaluation Period. Otherwise, accounts will earn the Standard Rate of 3.40% APY. Interest payments, account bonuses, account credits and reversals or refunds from the bank are not considered deposits for rate evaluation purposes. All LevelUp Savings accounts earn the LevelUp Rate at account opening and continue to earn the LevelUp Rate until the First Evaluation Period, to provide an opportunity to set up deposits. </p> <p>An Evaluation Period is a statement cycle. The First Evaluation Period will be the third statement cycle after you open your account, with any rate change becoming effective the next statement cycle. For example, if you open in August, the first Evaluation Period would be October with any rate change effective in November. Any rate changes will take place on the second business day and will be based on deposits in the previous statement cycle. </p> <p>APY accurate as of 5/22/2025. Rates are variable and subject to change at any time without notice, at the sole discretion of the bank. Fees may reduce earnings. $0 minimum opening deposit.</p> . 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.

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

Quontic Bank Money Market Account

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.

Visit Quontic Bank | Read our Quontic Bank Review

Synchrony Bank High Yield Savings

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.

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.

FAQs

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.

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4.8

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.

Earn up to 4.01% APY⁵ <p> The Annual Percentage Yield (APY) is accurate as of 12/9/2024. The interest rate and corresponding APY for savings is variable and is set at our discretion. This is a tiered variable rate account. Interest rates may change as often as daily without prior notice. Fees may reduce earnings.</p> 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

Author Details

Robin Kavanagh

Robin is a freelance writer who lives on the South Carolina beach. She has spent the last 20 years writing about all kinds of topics for publications such as The New York Times, Yes! Magazine, Next Tribe, Parenting, and various trade magazines. On FinanceBuzz.com, you’ll find her mostly writing about smart ways to use credit cards, navigating personal loans, how to save when traveling, and ways to improve your financial health.