Question: I'm looking for a bank that provides early access to paychecks and surcharge-free ATMs nationwide.

If you're looking for a bank that offers early access to paychecks and surcharge-free ATMs nationwide, OneUnited is a great option. It offers early paycheck access, surcharge-free ATM access, and a suite of financial products and services, including checking and savings accounts, CDs and loans. OneUnited also offers AI-powered insights for personalized financial intelligence and digital banking with mobile app management, so you can take control of your finances.

Another good option is Parthean, an AI-driven financial management system that automates and simplifies financial tasks. It doesn't specifically mention early paycheck access, but it does offer surcharge-free ATM access and a range of features, including round-up savings, real-time insights and spending tracking. Parthean also prioritizes security with bank-level encryption and no data selling, so if you're looking for a secure way to manage your money, Parthean is a good option.

Sequence is another service that can link multiple financial accounts, including checking, savings, brokerage and credit cards. It offers real-time updates on your financial situation and a range of automation options, including custom money mapping and smart rules that can be used to maximize savings and investments. It doesn't specifically mention surcharge-free ATMs, but its broad financial management abilities make it a good choice if you want to control your money.