28 savings accounts that let you easily withdraw money with a debit card or ATM card

While not common, some savings accounts offer a debit card or ATM card so you can have direct access to your account. Milan Markovic/Getty Images

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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 Amalgamated Bank Give-Back Savings Account is an online-only savings account that comes with an ATM card.

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 Alliant High-Rate Savings Account offers an ATM card if you don't have Alliant checking account debit card.

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 Bank of South Texas Savings Account.

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 Beneficial State Bank Savings Account.

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 Bethpage Federal Credit Union Savings Account account with $5. This savings account also comes with an ATM card.

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 Schwab Bank High Yield Investor Savings® Account with a Schwab Bank Visa Platinum Debit Card.

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 Citizens State Bank Personal Savings Account.

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 Comerica Statement Savings Account includes an ATM card.

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 Community 1st Bank Las Vegas Savings Account.

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 Connexus Credit Union Members Savings Account.

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 First Independence Bank Personal Savings Account comes with an ATM card.

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 First National Bank FirstRate Savings Account offers a debit card.

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 Golden Bank Regular Savings Account.

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 Hope Credit Union Savings Account.

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 Interamerican Bank Regular Savings Account.

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 LendingClub High-Yield Savings Account.

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 ONB Basic Savings Account offers an ATM card.

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 Puerto Rico Federal Credit Union Regular Actions Account.

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. SoFi Checking and Savings is a hybrid bank account that combines checking and savings features. It also includes a debit card.

21. Synchrony

What to know about Synchrony: Synchrony is an online-only institution with savings accounts, money market accounts, and CDs. The Synchrony High-Yield Savings Account has an ATM card.

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. The Harbor Bank of Maryland Statement Savings Account comes with an ATM card.

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 Transit Employees Federal Credit Union Share Savings Account.

24. UFB Direct

What to know about UFB Direct: UFB Direct is an online division of Axos Bank. You can get UFB Best Savings with an ATM card.

25. Umpqua Bank 

What to know about Umpqua Bank: Umpqua Bank has over 200 locations in California, Idaho, Nevada, Oregon, and Washington. Its Umpqua Bank Grow Savings Account comes with an ATM card.

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 USAA Savings Account.

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 Valley All Access Savings Account comes with an ATM card.

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 Zapata National Bank Savings Personal Account includes an ATM card.

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