📋 Table of Contents
ATM Access at Online Banks
Without physical branches, online banks rely on partner ATM networks — understanding which network your bank uses, and how many locations exist near you, is essential before switching to an online-only bank.
Common ATM Networks
| Network | Approx. Locations | Used By |
|---|---|---|
| Allpoint | 55,000+ | Ally, many online banks |
| MoneyPass | 37,000+ | Discover, various banks |
Fee Reimbursement Policies
Some online banks reimburse out-of-network ATM fees up to a monthly limit, even if you use an ATM outside their partner network — check your specific bank's policy, since this varies meaningfully.
Checking ATM Coverage Before Switching
Use the bank's ATM locator tool to check coverage specifically in the areas where you actually spend time — not just near your home, but also work and other frequent locations.
Common Mistakes
Assuming all online banks have equally good ATM coverage — network size and reimbursement policies vary meaningfully, so verify directly rather than assuming.
Frequently Asked Questions
Many do, up to a monthly limit, even for out-of-network ATMs — check your specific bank's policy, since this varies by institution.
Most banks provide an ATM locator tool in their mobile app or website, letting you search for nearby in-network ATMs (like Allpoint or MoneyPass locations) to avoid fees.