$15 per month in out-of-network ATM fee reimbursements for lower balancesis a pretty strong account. You'll receive a debit card and paper checks, which make it easy to access your money. You'll receive unlimited out-of-network ATM reimbursements if your balance is at least $5,000, and $15 per month in refunds for lower balances.
The weak point is the APY. TIAA pays a decent rate, especially for the first year, but it just isn't quite as competitive as some other institutions' rates. But the low fees could make up for what you'd lose with a slightly lower APY, especially if you use ATMs frequently.TIAA Bank is an online bank, but it does have 11 physical branch locations in Florida. You can use your debit card for free at 80,000 Allpoint and MoneyPasss ATMs around the United States.
The TIAA mobile app has received 4.6 out of 5 stars in the Apple store and 4.4 stars in the Google Play store.
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