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- Several financial institutions offer savings accounts with debit cards or ATM cards.
- You might like a bank account with card access if you use ATMs or want direct access to your money.
- If you'd like to have a card linked to your savings account, be mindful of how you use it.
Usually, only checking accounts or money market accounts offer a debit card. However, if you'd like direct access to money in a savings account, you also have some options to choose from.
Some financial institutions have savings accounts with debit cards so that you can access your money for purchases or ATM withdrawals. Several others also offer savings accounts with ATM cards linked to an account, strictly for ATM usage.
Here's a list of banks that have a savings account with a linked debit card or ATM card, and what to consider when selecting an account.
28 savings accounts with a debit card or ATM card
1. Amalgamated Bank
What to know about Amalgamated Bank: Amalgamated Bank is an eco-friendly bank with open branches in Washington, DC, and the New York City area. It also offers online-only checking and savings accounts if you don't live in these places.
The
2. Alliant Credit Union
What to know about Alliant Credit Union: Alliant Credit Union is an online institution. You can open accounts from anywhere in the US as long as you become a member. The easiest way to become part of Alliant Credit Union is by joining Foster Care to Success (Alliant will cover your $5 joining fee).
The
3. Bank of South Texas
What to know about Bank of South Texas: Bank of South Texas is a Hispanic American-owned bank with branches in the following cities in Texas: Pharr, McAllen, Kingsville, Hebbronville, and Mission.
You can get a free ATM card with a
4. Beneficial State Bank
What to know about Beneficial State Bank: Beneficial State Bank is a socially responsible bank with seven branches in California, Oregon, and Washington.
You can get a free ATM card with the
5. Bethpage Credit Union
What to know about Bethpage Credit Union: Bethpage Federal Credit Union has 33 branches around New York State. You may also open an account online if you don't live near a branch. To join Bethpage FCU, you just need to open a
6. Caribe Credit Union
What to know about Caribe Credit Union: Caribe is a Hispanic American-led credit union with branches in the following cities in Puerto Rico: San Juan, Guaynabo, and Ponce. The credit union's savings account also has a debit card included.
7. Charles Schwab
What to know about Charles Schwab: Charles Schwab is primarily known for its investment services, but it also offers banking products. You access money from the
8. Citizens State Bank
What to know about Citizens State Bank: Citizens State Bank is a local Hispanic American-owned bank with a branch in Roma and Rio Grande City, Texas. You can request an ATM card with the
9. Comerica
What to know about Comerica: Comerica has more than 400 banking centers and 600 ATMs in Arizona, California, Florida, Michigan, and Texas. The
10. Community 1st Bank Las Vegas
What to know about Community 1st Bank Las Vegas: Community 1st Bank Las Vegas is a Hispanic American-owned bank with three branches in Mora and Las Vegas, New Mexico. You can request an ATM card for the
11. Connexus Credit Union
What to know about Connexus Credit Union: Connexus Credit Union is an online financial institution with branches in Wisconsin, Minnesota, Ohio, and New Hampshire. The easiest way to become a member of Connexus is to join the Connexus Association by making an initial $5 donation.
You can get a debit card with the
12. First Independence Bank
What to know about First Independence Bank: First Independence Bank is a Black-owned bank with two branches in Michigan. The
13. First National Bank
What to know about First National Bank: First National Bank is a brick-and-mortar financial institution with branches in Maryland, North Carolina, Ohio, Pennsylvania, South Carolina, Virginia, West Virginia, and Washington, DC.
The
14. Golden Bank
What to know about Golden Bank: Golden Bank is an Asian American-led bank with nine branches in California and Texas. You may get an ATM card with the
15. Hope Credit Union
What to know about Hope Credit Union: Hope Credit Union is a Black-owned credit union with branches in Alabama, Arkansas, Louisiana, Mississippi, and Tennessee. You can get an ATM card with the
Anyone can become a member of Hope Credit Union. You just have to pay the one-time $10 membership fee.
16. Interamerican Bank
What to know about Interamerican Bank: Interamerican Bank is a Hispanic American-owned bank with branches in Miami, Florida, and West Palm Beach, Florida. An ATM card is available with the
17. LendingClub
What to know about LendingClub: LendingClub is a personal loan provider and online banking institution. You may request an ATM card with the
18. Old National Bank
What to know about Old National Bank: Old National Bank has nearly 200 branches in Illinois, Indiana, Kentucky, Michigan, Minnesota, and Wisconsin. The
19. Puerto Rico Federal Credit Union
What to know about Puerto Rico Federal Credit Union: Puerto Rico Federal Credit Union is a Hispanic-American-led financial institution with one branch in Caparra and a second in Quebradillas. You can request an ATM card with the
To become a member, you'll need to open a regular shares account and meet certain membership requirements.
20. SoFi
What to know about SoFi: SoFi is a fintech platform that offers loans, investment accounts, and banking options.
21. Synchrony
What to know about Synchrony: Synchrony is an online-only institution with savings accounts, money market accounts, and CDs. The
22. The Harbor Bank of Maryland
What to know about The Harbor Bank of Maryland: The Harbor Bank of Maryland is a local Black-owned bank. It has a few locations in Baltimore, Randallstown, and Silver Spring.
23. Transit Employees Federal Credit Union
What to know about Transit Employees Federal Credit Union: Transit Employees Federal Credit Union is a minority-led credit union. It has one branch in Alexandria, Virginia, and one in Washington, DC. To become a member, you'll need to meet certain membership requirements.
You may get an ATM card if you open the
24. UFB Direct
What to know about UFB Direct: UFB Direct is an online division of Axos Bank. You can get
25. Umpqua Bank
What to know about Umpqua Bank: Umpqua Bank has over 200 locations in California, Idaho, Nevada, Oregon, and Washington. Its
26. USAA
What to know about USAA: USAA is a diversified financial services group that has insurance, investing, banking, and retirement options. You can get an ATM card with the
27. Valley National Bank
What to know about Valley National Bank: Valley National Bank is a regional financial institution. It has over 200 branches in New York, New Jersey, Florida, and Alabama.
The
28. Zapata National Bank
What to know about Zapata National Bank: Zapata National Bank is a Hispanic American-owned bank with one branch in Zapata, Texas. The
Frequently asked questions
Do you need a debit card for a savings account?
It depends on how you plan to use your savings account and where you bank.
For example, if you only have a savings account (and not a checking account) at an online-only bank, you won't be able to visit a branch