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Why We Like It We like this account because it offers a free ATM card and access to 80,000 surcharge-free ATMs nationwide. It also offers a high APY of 3.10% on balances of at least $100.

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There is no monthly subscription fee for using Starling Kite and no fees for spending overseas, taking out cash or topping up the account with money. Kite customers also get a free kid's meal at the ...