7 Best Savings Accounts With Debit Cards or ATM Cards [2026]
发布时间：2026-09-20 ｜ 浏览：1
Savings accounts are built for just that — saving. Most don't offer quick, easy access to cash via a debit or ATM card, but some do.
Frankly, there aren't too many compelling reasons to use your savings account as a spending account. Attaching a debit card, ATM card, or even paper checks to your savings introduces some security vulnerabilities and makes it tempting to deplete funds you've set aside for the future.
But if you can trust yourself not to spend against your savings too frequently, opening a high-yield savings account that offers a debit or ATM card could be a good way to grow your money without it feeling so far away when you need it.
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 one SoFi Savings account with a 0.90% APY Boost (added to the 3.10% APY as of 5/28/26) for up to 6 months. Open your first SoFi Checking and Savings account and receive eligible direct deposits OR qualifying deposits of $5,000 every 31 days by 12/31/26. Rates are variable, subject to change. Terms apply at sofi.com/banking#4 . SoFi Bank, N.A. Member FDIC. Minimum Balance for APY $0 Bonus Offer Up to $400 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 within 25 calendar days of your first Eligible Direct Deposit of $1 or more) OR $400 (with at least $5,000 total Eligible Direct Deposits received within 25 calendar days of your first Eligible Direct Deposit of $1 or more). Cash bonus amount will be based on the total amount of Eligible Direct Deposit received within 25 calendar days of your first Eligible Direct Deposit of $1 or more. 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 5/15/2026 and will be available through 12/31/26. See full bonus and annual percentage yield (APY) terms at sofi.com/banking/checking-offer/ Why We Like It Earn a $50 or $400 bonus with eligible direct deposit 1 <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 within 25 calendar days of your first Eligible Direct Deposit of $1 or more) OR $400 (with at least $5,000 total Eligible Direct Deposits received within 25 calendar days of your first Eligible Direct Deposit of $1 or more). Cash bonus amount will be based on the total amount of Eligible Direct Deposit received within 25 calendar days of your first Eligible Direct Deposit of $1 or more. 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 5/15/2026 and will be available through 12/31/26. See full bonus and annual percentage yield (APY) terms at <a href="https://www.sofi.com/banking/checking-offer/">sofi.com/banking/checking-offer/</a></p> and up to 4.00% APY 2 <p>Earn up to 4.00% Annual Percentage Yield (APY) on one SoFi Savings account with a 0.90% APY Boost (added to the 3.10% APY as of 5/28/26) for up to 6 months. Open your first SoFi Checking and Savings account and receive eligible direct deposits OR qualifying deposits of $5,000 every 31 days by 12/31/26. Rates are variable, subject to change. Terms apply at <a href="https://www.sofi.com/banking/#4">sofi.com/banking#4</a>. SoFi Bank, N.A. Member FDIC.</p> on your money Limited-Time Offer: +0.90% Boost on Savings APY to up to 4.00% for up to 6 months on new accounts. Terms apply. 2 <p>Earn up to 4.00% Annual Percentage Yield (APY) on one SoFi Savings account with a 0.90% APY Boost (added to the 3.10% APY as of 5/28/26) for up to 6 months. Open your first SoFi Checking and Savings account and receive eligible direct deposits OR qualifying deposits of $5,000 every 31 days by 12/31/26. Rates are variable, subject to change. Terms apply at <a href="https://www.sofi.com/banking/#4">sofi.com/banking#4</a>. SoFi Bank, N.A. Member FDIC.</p> No account, overdraft, or monthly fees 3 <p>We do not charge any account, service, or maintenance fees for SoFi Checking and Savings. We do charge transaction fees for outgoing wire transfers, Instant Transfers, and global remittance transfers. Our fee policy is subject to change at any time. See the SoFi Bank 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 deposit 4 <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 million 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> Learn More on SoFi's secure website, Member FDIC
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Earn a $50 or $400 bonus with eligible direct deposit 1 <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 within 25 calendar days of your first Eligible Direct Deposit of $1 or more) OR $400 (with at least $5,000 total Eligible Direct Deposits received within 25 calendar days of your first Eligible Direct Deposit of $1 or more). Cash bonus amount will be based on the total amount of Eligible Direct Deposit received within 25 calendar days of your first Eligible Direct Deposit of $1 or more. 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 5/15/2026 and will be available through 12/31/26. See full bonus and annual percentage yield (APY) terms at <a href="https://www.sofi.com/banking/checking-offer/">sofi.com/banking/checking-offer/</a></p> and up to 4.00% APY 2 <p>Earn up to 4.00% Annual Percentage Yield (APY) on one SoFi Savings account with a 0.90% APY Boost (added to the 3.10% APY as of 5/28/26) for up to 6 months. Open your first SoFi Checking and Savings account and receive eligible direct deposits OR qualifying deposits of $5,000 every 31 days by 12/31/26. Rates are variable, subject to change. Terms apply at <a href="https://www.sofi.com/banking/#4">sofi.com/banking#4</a>. SoFi Bank, N.A. Member FDIC.</p> on your money
Limited-Time Offer: +0.90% Boost on Savings APY to up to 4.00% for up to 6 months on new accounts. Terms apply. 2 <p>Earn up to 4.00% Annual Percentage Yield (APY) on one SoFi Savings account with a 0.90% APY Boost (added to the 3.10% APY as of 5/28/26) for up to 6 months. Open your first SoFi Checking and Savings account and receive eligible direct deposits OR qualifying deposits of $5,000 every 31 days by 12/31/26. Rates are variable, subject to change. Terms apply at <a href="https://www.sofi.com/banking/#4">sofi.com/banking#4</a>. SoFi Bank, N.A. Member FDIC.</p>
No account, overdraft, or monthly fees 3 <p>We do not charge any account, service, or maintenance fees for SoFi Checking and Savings. We do charge transaction fees for outgoing wire transfers, Instant Transfers, and global remittance transfers. Our fee policy is subject to change at any time. See the SoFi Bank 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 deposit 4 <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 million 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>
Can you get a debit card for a savings account?
It is possible to get a debit card for a savings account, but this perk isn't common. Savings accounts that come with debit cards or other cash access options are harder to find than those that don't.
When you want to withdraw 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 them. Or, if you have a savings account with a brick-and-mortar bank, you can visit a branch and withdraw cash that way.
But some savings accounts may offer debit cards, ATM cards, or even checks for direct withdrawals and spending. These are almost always free if they're offered, but you often have to request them after setting up your account.
Compare top savings accounts with debit cards or ATM cards in September 2026
SoFi Checking and Savings
Synchrony Bank High Yield Savings
Quontic Bank Money Market Account
Happen Bank LevelUp Savings
Alliant High-Rate Savings
SoFi Checking and Savings
Great for you if you like spending with a debit card
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 $400 When You Set Up Direct Deposit Limited-Time Offer: Earn a $50 or $400 bonus with eligible direct deposit and up to 4.00% APY on Savings (3.10% APY 1 <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 within 25 calendar days of your first Eligible Direct Deposit of $1 or more) OR $400 (with at least $5,000 total Eligible Direct Deposits received within 25 calendar days of your first Eligible Direct Deposit of $1 or more). Cash bonus amount will be based on the total amount of Eligible Direct Deposit received within 25 calendar days of your first Eligible Direct Deposit of $1 or more. 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 5/15/2026 and will be available through 12/31/26. See full bonus and annual percentage yield (APY) terms at <a href="https://www.sofi.com/banking/checking-offer/">sofi.com/banking/checking-offer/</a></p> with +0.90% APY Boost) for up to 6 months on new accounts. Terms Apply. 2 <p>Earn up to 4.00% Annual Percentage Yield (APY) on one SoFi Savings account with a 0.90% APY Boost (added to the 3.10% APY as of 5/28/26) for up to 6 months. Open your first SoFi Checking and Savings account and receive eligible direct deposits OR qualifying deposits of $5,000 every 31 days by 12/31/26. Rates are variable, subject to change. Terms apply at <a href="https://www.sofi.com/banking/#4">sofi.com/banking#4</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> Learn More
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APY: Up to 3.10% with direct deposit, 1.00% (as of 5/28/26) APY without direct deposit 6 <p>Annual percentage yield (APY) is variable and subject to change at any time. Rates are current as of 5/28/26. There is no minimum balance requirement. Fees may reduce earnings. Additional rates and information can be found at <a href="https://www.sofi.com/legal/banking-rate-sheet">https://www.sofi.com/legal/banking-rate-sheet</a></p>
Cash access: Debit card
ATM network: 55,000+ ATMs within the Allpoint network 13 <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>
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 fee 3 <p>We do not charge any account, service, or maintenance fees for SoFi Checking and Savings. We do charge transaction fees for outgoing wire transfers, Instant Transfers, and global remittance transfers. Our fee policy is subject to change at any time. See the SoFi Bank 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).
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 3.10% 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. 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>
No minimum deposit or balance requirements
Earns interest on both checking and savings balances
Competitive rates without direct deposit
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 SoF i | Read our SoFi Checking and Savings Review
Synchrony Bank High Yield Savings
Great for you if you need to avoid ATM fees
APY: 3.30% 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. 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.).
We also like this savings account because of its low maintenance cost. 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.
No minimum balance to earn interest
Reimbursement for some ATM fees
Limit to ATM reimbursements of ATM operator fees
Daily ATM withdrawal limit of $1,000
Read our Synchrony Bank review
UFB Portfolio Savings
Great for you if you want access to a large ATM network
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% APY 8 <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
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.
APY: Up to 3.26% 8 <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>
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 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.
No minimum deposit or balance requirements
Large free ATM network
Very highly rated mobile app
24/7 customer service
Daily cash withdrawal limit of $510 for ATM cards
Account names and features often change
Quontic Bank Money Market Account
Great for you if you want a debit card and checks
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% APY 9 <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
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APY: 3.80% (as of 08/25/26)
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 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.
No minimum balance to earn interest
Robust mobile banking features
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
Happen Bank LevelUp Savings
Great for you if you make frequent cash deposits
APY: Up to 4.00% 10 <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>
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. Happen Bank 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 3.00% (as of 04/15/26) APY 10 <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 0.38% APY (as of 06/15/26), 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.
No minimum opening deposit or balance requirement
Very highly rated mobile app
Unlimited ATM fee rebates
Monthly deposit requirement to earn best rate
No regular savings account without monthly deposit requirements
Read our Happen Bank LevelUp Savings Account Review
Citi Savings account
Great for brick-and-mortar banking
APY: Up to 3.75% promotion interest rate, with an APY of up to 1.05% (as of 07/28/26) 11 <p>Annual Percentage Yield (APY) is accurate as of as of 12/5/23 in the location entered upon accessing citi.com. Rates for Savings accounts are variable, determined by Citibank at its sole discretion and can change before or after account opening. Fees could reduce earnings. APY is determined by Rate Region, Relationship Tier and applicable promotion.</p>
Cash access: ATM card
ATM network: 65,000+ Citi ATMs
If banking with a big institution with a physical branch presence is important to you, saving with Citibank might make sense. To qualify for the highest promotional rate, you need to deposit at least $25,000 in new funds.
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.
Offers some in-person branch access
Checking account isn't required for ATM access
$4.50 monthly service fee
Rates and availability vary by ZIP code
Regular APY is very low compared to high-yield savings accounts
Read our Citibank review
Good to know Citibank is also a good choice for inclusive banking. The institution stands out from big banks like it for its many financial inclusion programs, particularly those serving underbanked populations and consumers of color. For example, it launched its three-year 2020 Action for Racial Equity (ARE) initiative with the goal of "closing the racial wealth gap." Although the bank has rebranded its DEI teams and efforts following a 2025 executive order aimed at discontinuing such programs, it could still be better than many national institutions for diversity, equity, and inclusion.
Alliant High-Rate Savings
Great for saving with a credit union
4.5 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. Alliant Credit Union High-Rate Savings Alliant Credit Union High-Rate Savings - 3.01% APY 12 <p>The savings dividend provides an Annual Percentage Yield (APY) of 3.01%. The APY is accurate as of the 02/01/2026 dividend declaration date. Dividends are paid on the last day of the month to accountholders who have maintained an average daily balance of $100 or more. Savings dividend may change after account is opened and is subject to change at any time. Dividend applies to Savings, Supplemental Savings, Emergency Savings, Kids Savings Accounts, UTMA Custodial Accounts, Trust Accounts and IRA. Fees may reduce earnings on the account.</p> No monthly fees and access to 80,000+ fee-free ATMs nationwide. 14 <p>Transactions performed at other ATMs may be subject to the ATM owner’s surcharge fee. Please see the online ATM Locator at www.alliantcreditunion.com or our mobile banking app for a list of ATMs that accept deposits or are fee free. Not all ATMs accept deposits.</p> NCUA Insured Learn how it works >
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.
APY: 3.01% 12 <p>The savings dividend provides an Annual Percentage Yield (APY) of 3.01%. The APY is accurate as of the 02/01/2026 dividend declaration date. Dividends are paid on the last day of the month to accountholders who have maintained an average daily balance of $100 or more. Savings dividend may change after account is opened and is subject to change at any time. Dividend applies to Savings, Supplemental Savings, Emergency Savings, Kids Savings Accounts, UTMA Custodial Accounts, Trust Accounts and IRA. Fees may reduce earnings on the account.</p>
Cash access: ATM card
ATM network: 80,000+ fee-free ATMs
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 an 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 National Credit Union Administration (NCUA)-insured, which is the credit union equivalent of FDIC insurance.
Anyone can join
Can open up to 19 supplemental savings accounts with same APY
Alliant Kids Savings earns the same APY
$25 minimum opening balance
Must maintain an average daily balance of at least $100 to earn the best rate
Visit Alliant | 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.
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.
How to use a savings account 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 them.
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.
Calculate your savings potential
This savings calculator can help you estimate how your money can grow over time with regular contributions and compound interest. By adjusting factors like your initial deposit, monthly savings, time horizon, and interest rate, you can quickly see the potential impact on your total savings.
How Much Interest You Can Earn Initial Deposit $ Monthly Contribution $ Investment Period years APY % Initial Deposit Total Contribution Compound Interest Earned Total Savings:
Experiment with the calculator using realistic numbers to see how your savings could grow over time.
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 $400 When You Set Up Direct Deposit Limited-Time Offer: Earn a $50 or $400 bonus with eligible direct deposit and up to 4.00% APY on Savings (3.10% APY 1 <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 within 25 calendar days of your first Eligible Direct Deposit of $1 or more) OR $400 (with at least $5,000 total Eligible Direct Deposits received within 25 calendar days of your first Eligible Direct Deposit of $1 or more). Cash bonus amount will be based on the total amount of Eligible Direct Deposit received within 25 calendar days of your first Eligible Direct Deposit of $1 or more. 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 5/15/2026 and will be available through 12/31/26. See full bonus and annual percentage yield (APY) terms at <a href="https://www.sofi.com/banking/checking-offer/">sofi.com/banking/checking-offer/</a></p> with +0.90% APY Boost) for up to 6 Months on new accounts. Terms Apply. 2 <p>Earn up to 4.00% Annual Percentage Yield (APY) on one SoFi Savings account with a 0.90% APY Boost (added to the 3.10% APY as of 5/28/26) for up to 6 months. Open your first SoFi Checking and Savings account and receive eligible direct deposits OR qualifying deposits of $5,000 every 31 days by 12/31/26. Rates are variable, subject to change. Terms apply at <a href="https://www.sofi.com/banking/#4">sofi.com/banking#4</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> Learn More
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.
4.3 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. CIT Bank Platinum Savings - up to 4.10% APY 15 <p>Platinum Savings is a tiered interest rate account. Interest is paid on the entire account balance based on the interest rate and APY in effect that day for the balance tier associated with the end-of-day account balance. APYs — Annual Percentage Yields are accurate as of July 1, 2026: 0.25% APY on balances of $0.01 to $4,999.99; 3.75% APY on balances of $5,000.00 or more. Interest Rates for the Platinum Savings account are variable and may change at any time without notice. The minimum to open a Platinum Savings account is $100.</p> Earn up to 4.10% APY on balances of $5,000 or more for up to 6 months. 16 <p>*This is a limited time offer available to New and Existing customers who meet the Platinum Savings APY Boost promotion criteria. Accounts enrolled in the Platinum Savings Annual Percentage Yield (APY) Boost promotion will receive a 0.35% APY boost on the Platinum Savings current standard APY tiers for 6 months following the opening of a new account or when an existing Platinum Savings account is enrolled in the promotion. The Platinum Savings APY boost will be applied on account balances up to $9,999,999.00. Account balances above $9,999,999.00 will earn the standard APY. If the standard-published APY should change during the promotion period, the APY boost will move with it, offering an account APY above the standard rate. The Promotion begins on February 13, 2026, and ends October 31, 2026. Customers enrolled in the promotion prior to the end date will receive the APY boost for the 6-month period outlined in the terms and conditions. The promotion can end at any time without notice.</p> Enter code CITBoost to qualify. $100 minimum opening deposit. 17 <p class="">For complete list of account details and fees, see our <a href="https://www.cit.com/cit-bank/resources/forms">Personal Account disclosures</a>.</p> Learn More
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.
4.8 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. 2026 AWARD WINNER Best Account for Consistent Savers Earn 4.00% APY Earn 4.00% APY 18 <p>LevelUp Rate of 4.00% APY applied to full balance with $250+ in deposits in Evaluation Period. Otherwise, accounts earn Standard Rate of 3.00% APY. LevelUp Rate applies to first two statement cycles. Rates variable & subject to change at any time. See terms: <a href="https://www.happen.com/legal/deposits/levelup-savings-t-and-cs" >https://www.happen.com/legal/deposits/levelup-savings-t-and-cs</a></p> when you open a new LevelUp Savings account and deposit $250+ per month. Member FDIC. Learn More
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.
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. Where can I get a savings account that comes with a debit card? Many banks, credit unions, and financial technology companies offer savings accounts that automatically come with, or can include, debit cards. SoFi, Synchrony, UFB, Quontic Bank, and Happen Bank are just a handful of companies that offer debit card access for savings accounts. If you're looking into high-yield savings accounts and wondering whether one you like offers a debit card or ATM access, check the account page online or call a customer service representative. Often, this perk is featured prominently because it's a unique benefit, and companies are more likely to brag about it than tuck it away in fine print. 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.
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.
Where can I get a savings account that comes with a debit card?
Many banks, credit unions, and financial technology companies offer savings accounts that automatically come with, or can include, debit cards. SoFi, Synchrony, UFB, Quontic Bank, and Happen Bank are just a handful of companies that offer debit card access for savings accounts.
If you're looking into high-yield savings accounts and wondering whether one you like offers a debit card or ATM access, check the account page online or call a customer service representative. Often, this perk is featured prominently because it's a unique benefit, and companies are more likely to brag about it than tuck it away in fine print.
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.
How we chose the best savings accounts with debit or ATM cards To choose the best high-yield savings accounts with debit cards or ATM access, we compared key features we know are important to people looking for a savings account. This included APYs, minimum balance requirements, monthly fees, and especially how easy it is to make withdrawals. Rather than analyze all available savings accounts, we focused on the highest-yield savings accounts from nationally available institutions. Here's what we considered to come up with our list: APYs: We chose only savings accounts offering at least 3.00% APY, with a few frontrunners earning more than 4.00% APY. For comparison, the national average savings rate is 0.38% APY (as of 06/15/26), according to FDIC data. For us to consider an account's rate competitive, it has to beat the average by a wide margin. Ease of withdrawals: For this list, we gave preference to savings accounts that make it simple for you to withdraw your money, focusing on only those that include a free debit card, ATM card, or both. Each account also provides a large network of fee-free ATMs, and some also reimburse your out-of-network ATM fees. Minimum balance requirements: For this roundup, we chose savings accounts that either have no minimum balance requirements to earn the stated APY or a relatively low minimum balance (nothing above $500). Monthly fees: We did not consider or feature any savings accounts on our list that charge monthly service fees, as we don’t feel that charging fees to use a savings account is fair to you. Requirements to earn interest: Savings accounts commonly require you to meet activity or balance requirements to earn the best rate, and we took this into consideration when choosing accounts for this list. For accounts that do have such requirements, we ensured this restriction was fully justified by the value and perks available. You can learn more about our research methodologies and star ratings by checking out How FinanceBuzz Rates Deposit Accounts .
How we chose the best savings accounts with debit or ATM cards
To choose the best high-yield savings accounts with debit cards or ATM access, we compared key features we know are important to people looking for a savings account. This included APYs, minimum balance requirements, monthly fees, and especially how easy it is to make withdrawals. Rather than analyze all available savings accounts, we focused on the highest-yield savings accounts from nationally available institutions. Here's what we considered to come up with our list:
APYs: We chose only savings accounts offering at least 3.00% APY, with a few frontrunners earning more than 4.00% APY. For comparison, the national average savings rate is 0.38% APY (as of 06/15/26), according to FDIC data. For us to consider an account's rate competitive, it has to beat the average by a wide margin.
Ease of withdrawals: For this list, we gave preference to savings accounts that make it simple for you to withdraw your money, focusing on only those that include a free debit card, ATM card, or both. Each account also provides a large network of fee-free ATMs, and some also reimburse your out-of-network ATM fees.
Minimum balance requirements: For this roundup, we chose savings accounts that either have no minimum balance requirements to earn the stated APY or a relatively low minimum balance (nothing above $500).
Monthly fees: We did not consider or feature any savings accounts on our list that charge monthly service fees, as we don’t feel that charging fees to use a savings account is fair to you.
Requirements to earn interest: Savings accounts commonly require you to meet activity or balance requirements to earn the best rate, and we took this into consideration when choosing accounts for this list. For accounts that do have such requirements, we ensured this restriction was fully justified by the value and perks available.
You can learn more about our research methodologies and star ratings by checking out How FinanceBuzz Rates Deposit Accounts .
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 (3.10% APY 1 <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 within 25 calendar days of your first Eligible Direct Deposit of $1 or more) OR $400 (with at least $5,000 total Eligible Direct Deposits received within 25 calendar days of your first Eligible Direct Deposit of $1 or more). Cash bonus amount will be based on the total amount of Eligible Direct Deposit received within 25 calendar days of your first Eligible Direct Deposit of $1 or more. 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 5/15/2026 and will be available through 12/31/26. See full bonus and annual percentage yield (APY) terms at <a href="https://www.sofi.com/banking/checking-offer/">sofi.com/banking/checking-offer/</a></p> with +0.90% APY Boost) for up to 6 Months on new accounts. Terms Apply. 2 <p>Earn up to 4.00% Annual Percentage Yield (APY) on one SoFi Savings account with a 0.90% APY Boost (added to the 3.10% APY as of 5/28/26) for up to 6 months. Open your first SoFi Checking and Savings account and receive eligible direct deposits OR qualifying deposits of $5,000 every 31 days by 12/31/26. Rates are variable, subject to change. Terms apply at <a href="https://www.sofi.com/banking/#4">sofi.com/banking#4</a>. SoFi Bank, N.A. Member FDIC.</p> Paycheck access up to 2 days early with direct deposit 4 <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 fees 3 <p>We do not charge any account, service, or maintenance fees for SoFi Checking and Savings. We do charge transaction fees for outgoing wire transfers, Instant Transfers, and global remittance transfers. Our fee policy is subject to change at any time. See the SoFi Bank 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 network 13 <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>
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.
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