![]() You'll also be charged up to 2% for using your debit card or credit card outside the US. What to look out for: PenFed charges $1.50 when you use an out-of-network ATM, and unlike some of our other top picks, it doesn't reimburse any fees charged by out-of-network ATM providers. PenFed offers credit cards, loans, mortgages, and investment accounts. You'll also have free access to around 68,000 ATMs. PenFed has branches in 13 US states and DC, and on military bases in Guam, Puerto Rico, and Japan. You'll earn 1% APY on PenFed Premium Online Savings, 0.15% to 0.35% APY on PenFed Access America Checking, and 0.95% to 3.25% APY on PenFed Money Market Certificate. Why it stands out: PenFed could be a good fit if you want to earn high interest rates. Otherwise, you can become a PenFed member by opening a savings account with $5. Who can join: You can be a member of the military, employee of an eligible association or business, employee of certain US government agencies, worker or volunteer at the American Red Cross, resident of certain areas, or family member of anyone who falls into one of these groups. Branches in US and on military bases in Guam, Puerto Rico, and Japan. ![]() ![]() Many ways to join PenFed, the easiest being to open a savings account with $5.These refunds apply to the $1 charge for Visa/PLUS ATMs, but not toward the 1% ISAs. Navy Federal does reimburse between $10 and $20 per month for ATM fees. Some in-network ATMs will charge a 1% international assessment fee. What to look out for: There are plenty of Visa/PLUS ATMs worldwide, but Navy Federal charges a $1 fee when you use one. If you use an out-of-network ATM, Navy Federal will reimburse up to $20 per month in fees charged by ATM providers for Navy Federal Free Active Duty Checking, and $10 per month for other checking accounts.Īlong with bank accounts, Navy Federal provides loans, credit cards, mortgages, investment accounts, and insurance. You also have free access to 30,000 CO-OP ATMs in the US and Canada and to 1,100 CashPoint ATMs in North Carolina, and access to 2 million Visa/PLUS ATMs worldwide. Some of its branches are on select military bases. There are 247 branches around the world, including in North America, Europe, Africa, and Asia. Why it stands out: Navy Federal is a great choice if you want in-person branch access. Who can join: Active military, veterans, employees or retirees of the Department of Defense, and family members of any of the aforementioned groups are eligible. Interest compounded monthly, paid monthly.247 branches worldwide, including on select military bases.Join Navy Federal Credit Union as an active military member, military veteran, Department of Defense employee/retiree, or family member of any of the aforementioned groups.Available to active military, retired military, or reservists.It's really a better fit for people who want online and mobile access to their bank. What to look out for: USAA only has offices in a few US states, England, Germany, and Luxembourg. Its mobile app has strong ratings, including 4.8 out of 5 stars in the Apple store with over 1 million reviews. USAA could be a good military bank if you're comfortable banking digitally. You'll also receive your direct deposit one day before payday. USAA offers a wide range of products, including bank accounts, investment accounts, insurance, loans, and mortgages. If you use an out-of-network ATM, USAA will reimburse up to $15 per month in fees charged by the ATM provider. There are also 60,000 USAA-preferred ATMs around the US, and the first 10 monthly withdrawals are free. Why it stands out: You can withdraw or make deposits at 1,200 USAA ATMs for free. Who can join: Active military, veterans, and families of active military or veterans can bank with USAA. Interest compounded and deposited monthly.Earn 0.01% APY on balances of $1,000 or more.1,200 USAA ATMs 60,000 USAA-preferred ATMs nationwide.Physical offices in US (AZ, CO, FL, MD, NY, TX, VA) England (London) Germany (Frankfurt) Luxembourg (Luxembourg). ![]()
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