7 Best Savings Accounts With Debit Cards or ATM Cards [2026]

Most savings accounts only let you make electronic transfers when you need to spend your savings, with no options for quick, easy cash. Most.

Some savings accounts, however, include debit or ATM cards linked directly to your savings account. ATM cards can be used to withdraw cash almost instantly, and debit cards work like any other debit card, letting you spend your balance without extra steps. Savings accounts with debit cards aren't common, but there are enough good options out there that you should be able to find one you like. We've researched popular accounts with this feature to narrow down your choices. Our top picks feature high annual percentage yields (APYs), low fees, and, of course, debit or ATM cards.

Here are some of the best savings accounts with debit cards or ATM cards you can apply for today.

Limited-Time Offer

AWARD WINNER Best Checking and Savings Combo

SoFi Checking and Savings

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.

Learn More on SoFi's secure website, Member FDIC

APY

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 $300 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.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% APY² <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&nbsp;<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 to up to 4.00% for up to 6 months on new accounts. Terms apply.³ <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&nbsp;<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 fees⁴ <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 deposit⁵ <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 million⁶ <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>

Learn More on SoFi's secure website, Member FDIC

Can you get a debit card for a savings account?

Savings accounts that come with debit cards or other means of cash access do exist, but they're harder to come by than savings accounts that don't. As a rule, a high-yield savings account is designed to earn interest and make it easier to save. They're not built to make it easy to spend your money. When you want to move funds from a typical savings account, you need to first transfer those funds to another deposit account, like a checking account, before you can use it. Or, if you bank with a brick-and-mortar bank, you can visit a branch and withdraw cash that way. 

But some savings accounts change the rules and give you the option to request debit cards, ATM cards, or even checks. These are almost always free if they're offered, and you can use them to spend money directly from your savings balance just as you would a spending account.

Savings accounts with debit cards or ATM cards compared

Account name	Best for you if...	APY	Cash access
SoFi Checking and Savings	You like spending with a debit card	Up to 3.30% (with direct deposit)7 <p>Annual percentage yield (APY) is variable and subject to change at any time. Rates are current as of 12/23/25. There is no minimum balance requirement. Fees may reduce earnings. Additional rates and information can be found at&nbsp;<a href="https://www.sofi.com/legal/banking-rate-sheet">https://www.sofi.com/legal/banking-rate-sheet</a></p>	Debit card
Synchrony Bank High Yield Savings	You need to avoid ATM fees	3.65% on all balances8 <p>Annual Percentage Yield (APY) is subject to change at any time without notice. Rate accurate as of 11/18/2025. 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>	ATM card
UFB Portfolio Savings	You want access to a large ATM network	Up to 3.26%9 <p> The Annual Percentage Yield (APY) is accurate as of 01/06/2026. 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>	ATM card
Quontic Bank Money Market Account	You want a debit card and checks	4.25% (as of 11/03/25)10 <p>APY means Annual Percentage Yield. Money Market Account is a tiered variable account wherein 4.75% annual percentage yield applies to all balance tiers, which are identified as $0.01–$4.999.99, $5,000.00–$149,999.99 and balances over $149,999.99. Ask for details. Additional terms, conditions, fees & exclusions may apply. Rates may change without notice. There is a $10.00 excess transaction fee for every transaction over six for preauthorized withdrawals, automatic or telephonic transfers, checks, drafts, and debit card or similar transactions from your account per account statement cycle. If the account is closed before interest and/or bonus is credited, accrued interest and/or bonus may be forfeited for that statement cycle. Fees could reduce earnings. Minimum opening deposit: $100. Information is as of November 21, 2024. </p>	Debit card, checks
LendingClub LevelUp Savings	You make frequent cash deposits	Up to 4.00%11 <p>LevelUp Rate of 4.00% Annual Percentage Yield (“APY”) is accurate as of 01/13/2025. Standard Rate of 3.00% APY accurate as of 01/13/2025. Rates are variable and subject to change at any time without notice, at the sole discretion of the bank.</p><p>LevelUp Rate 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. 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. While accounts will not move from the LevelUp Rate prior to the First Evaluation Period, the LevelUp Rate is variable and subject to change at any time, including prior to the First Evaluation Period.</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 at the end of the first business day of the month and will be based on deposits in the previous statement cycle.</p>	ATM card

SoFi Checking and Savings

2026 AWARD WINNER Best Online Checking

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.

SoFi Checking and Savings

Earn Up to $300 When You Set Up Direct Deposit

Limited-Time Offer: Earn a $50 or $300 bonus with eligible direct deposit and up to 4.00% APY on Savings (3.30% APY² <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&nbsp;<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 up to 6 months on new accounts. Terms Apply.³ <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&nbsp;<a href="https://www.sofi.com/banking/#2">sofi.com/banking#2</a>. SoFi Bank, N.A. Member FDIC.</p> FDIC Insured.⁶ <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>

Learn More

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 fee⁴ <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% APY on checking balances with direct deposit, plus up to 3.30% APY with direct deposit on your savings⁷ <p>Annual percentage yield (APY) is variable and subject to change at any time. Rates are current as of 12/23/25. There is no minimum balance requirement. Fees may reduce earnings. Additional rates and information can be found at&nbsp;<a href="https://www.sofi.com/legal/banking-rate-sheet">https://www.sofi.com/legal/banking-rate-sheet</a></p> .

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 3.30% 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.⁶ <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

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.

Read our Synchrony Bank review

UFB Portfolio Savings

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.

UFB Portfolio Savings

UFB Portfolio Savings - 3.26% APY⁹ <p> The Annual Percentage Yield (APY) is accurate as of 01/06/2026. 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>

High Yield Savings Account. No Minimum Balance. FDIC Insured.

Learn More

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.

Visit UFB

Quontic Bank Money Market Account

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.

Quontic Bank Money Market Account

Quontic Bank Money Market - 4.75% APY¹⁰ <p>APY means Annual Percentage Yield. Money Market Account is a tiered variable account wherein 4.75% annual percentage yield applies to all balance tiers, which are identified as $0.01–$4.999.99, $5,000.00–$149,999.99 and balances over $149,999.99. Ask for details. Additional terms, conditions, fees & exclusions may apply. Rates may change without notice. There is a $10.00 excess transaction fee for every transaction over six for preauthorized withdrawals, automatic or telephonic transfers, checks, drafts, and debit card or similar transactions from your account per account statement cycle. If the account is closed before interest and/or bonus is credited, accrued interest and/or bonus may be forfeited for that statement cycle. Fees could reduce earnings. Minimum opening deposit: $100. Information is as of November 21, 2024. </p>

Money Market account. $100 minimum opening deposit. FDIC Insured.

Open 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

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 4.00% APY, you need to deposit at least $250 into this account each month. Otherwise, you'll earn 3.20% (as of 08/6/25) APY¹¹ <p>LevelUp Rate of 4.00% Annual Percentage Yield (“APY”) is accurate as of 01/13/2025. Standard Rate of 3.00% APY accurate as of 01/13/2025. Rates are variable and subject to change at any time without notice, at the sole discretion of the bank.</p><p>LevelUp Rate 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. 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. While accounts will not move from the LevelUp Rate prior to the First Evaluation Period, the LevelUp Rate is variable and subject to change at any time, including prior to the First Evaluation Period.</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 at the end of the first business day of the month and will be based on deposits in the previous statement cycle.</p> . While this still blows the national average savings rate of 0.39% (as of 12/15/25), 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.

Read our LendingClub LevelUp High-Yield Savings Account Review

Citi Savings account

If banking with a big institution with a physical branch presence is important to you, saving with Citibank might make sense. The bank's standard savings account, called Citi Savings, currently earns up to 3.50% interest, with a promotional APY of up to 0.91% (as of 12/10/25).

To qualify for the highest promotional rate, you need to deposit at least $25,000 in new funds. If you can't meet that deposit minimum, you'll earn 0.17% APY for up to three months after opening. After that, the standard APY is just 0.03%, unless you qualify for a higher relationship tier. While this is very poor compared to the best high-yield savings accounts and even the national average, it's a bit better than the average big bank's savings rates of 0.01% or 0.02%. But if you can qualify for the Citi Accelerate Savings account instead, choose that. With Accelerate Savings, you can earn a competitive rate all the time. However, be aware that both accounts have a $4.50 monthly service fee.

We chose this account for this list because it's one of the few brick-and-mortar savings accounts that offer ATM access. If you don't have a Citibank deposit account, the bank will mail you an ATM card, making it possible to tap into your savings without fees as long as you're near one of the bank's ATMs. Citibank is the third-largest bank in the U.S. by asset size, according to data from the Federal Reserve, with over 600 domestic branches. This is far fewer than banking giants such as Chase and Wells Fargo, which operate over 5,000 and over 4,100 branches, respectively, but nothing to scoff at compared to many regional banks.

Read our Citibank review

Alliant High-Rate Savings

Alliant Credit Union isn't your average credit union. It doesn't have membership restrictions or a limited geographical area, unlike many member-owned institutions. All you have to do is join the Alliant Credit Union Foundation, which has a stated mission of furthering digital inclusion and education. This requires a one-time $5 fee, but Alliant will pay this on your behalf when you sign up. (This is technically a loophole that makes the credit union inclusive to everyone, but there are other ways to join through certain employers, current Alliant members, and by living in specific Chicago communities.)

The Alliant High-Rate Savings Account is worth considering if you want to save with a credit union because it earns up to 3.10% APY regardless of your balance. The Alliant Savings ATM card is available to anyone who doesn't have a deposit account with the credit union, giving you access to the institution's massive fee-free ATM network. To protect your money, Alliant is NCUA-insured, which is the credit union equivalent of FDIC insurance.

Like many of the other online accounts on this list, Alliant High-Rate Savings doesn't have a monthly service fee you need to dodge. It does, however, require $25 to open and a minimum daily balance of $100 to earn the highest stated rate, but both of these are on the low side.

Read our Alliant Credit Union review

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

When you're comparing savings accounts with debit cards and 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.

How to use a debit card safely

Many people have strong opinions about whether it's better to use a debit card or a credit card. While there are many merits to using credit cards versus debit cards, we believe the payment method that works best for your budget and lifestyle is the better option for you.

If you want to use a checking or savings account with a debit card to make purchases, withdraw cash, or both, you can. Here are a few tips to do so safely and responsibly.

• Pretend it's cash: With a debit card, it's essential to spend within your means. Even if you have an account that offers overdraft protection or coverage, make sure you're always aware of your balance and never exceed the amount you have when making purchases or scheduling bill payments. Set up low-balance alerts if you have the option.
• Add your debit card to a digital wallet: Because having your debit card stolen can lead to having the money in your account stolen, it's a good idea to add your debit card to your phone's mobile wallet and use it that way. This leaves you less vulnerable to theft or loss.
• Never share your PIN: Don't tell anyone your debit card's PIN number or write it down somewhere others could easily find it. This unique number is one of the only lines of defense between your card and your money, and you'll use it at ATMs and retailers.
• Opt for PIN-based rather than signature-based transactions: If given the option at a point-of-sale (POS) system to use either your PIN or to sign to authorize a transaction, choose your PIN. While there is some debate, it is widely believed to be safer than using your signature. All this said, you should sign the back of your debit card.
• Freeze your debit card immediately if you lose it: If you misplace your debit card, either log in to your online banking platform or call your bank to freeze it right away and report it lost or stolen. That way, if someone gets hold of it, they won't be able to use it, and you'll get a replacement.
• Don't save your card details in your browser: If you're using your phone or laptop's browser to shop online and you see the option to save your debit card details for autofill, decline this. While it's a bit tedious to enter your details manually each time, you'll be better protected against scams and data breaches by not saving it.

In addition to all of these strategies to stay safe while using a debit card, make sure to monitor your bank account closely. Whether it's a checking or savings account, you should always be aware of cash going out so that you're able to spot fishy transactions quickly. If you do think you've found something that's not right, contact your bank to report suspicious activity.

4.2

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

Bank¹³ <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.¹⁴ <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 banks¹⁵ <p>Your first deposit may take longer depending on your employer.</p>

Download Cash App

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.

AWARD WINNER Best Online Checking

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

Limited-Time Offer: Earn a $50 or $300 bonus with eligible direct deposit and up to 4.00% APY on Savings (3.30% APY² <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&nbsp;<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 up to 6 Months on new accounts. Terms Apply.³ <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&nbsp;<a href="https://www.sofi.com/banking/#2">sofi.com/banking#2</a>. SoFi Bank, N.A. Member FDIC.</p> FDIC Insured.⁶ <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>

Learn More

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.

2026 AWARD WINNER Best Savings for Customer Service

American Express® Savings - 3.30% annual percentage yield (APY)¹⁶ <p>The Annual Percentage Yield (APY) as advertised is accurate as of December 30, 2025. Interest rate and APY are subject to change at any time without notice before and after a High Yield Savings Account is opened.&nbsp;Interest Rate and APY of a Certificate of&nbsp;Deposit account is fixed once the account is funded.</p>

High Yield Savings Account. No Minimum Required Deposit or Balance.¹⁷ <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.

Learn More

FAQs

Bottom line

Savings accounts don't always come with debit cards or ATM access, but some do. SoFi, Synchrony, and UFB 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.

Learn More

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.

AWARD WINNER Best Online Checking

High APY of up to 4.00% on Savings (3.30% APY² <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&nbsp;<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 up to 6 Months on new accounts. Terms Apply.³ <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&nbsp;<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 deposit⁵ <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 fees⁴ <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 network¹ <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>