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Many free checking accounts offer a large number of ATM locations. Chime and Capital One, for instance, have convenient ATM locations at retailers such as CVS and Walgreens. Additionally, members have access to a network of more than 80,000 surcharge-free ATMs. If you’re stuck using an out-of-network ATM, this checking account also provides 20 per month in ATM fee reimbursement. Read more