Question: Can I transfer money from a savings account to a checking account?
You can always transfer money from one to the other inside your general account. If you have both types of accounts, all you have to do is request an “internal transfer.”
If you have accounts at different banks, it will take more than one step. First, you will have to make an internal transfer of funds from your savings account to your checking account. From there, you will have to request an external transfer. Usually, it is easier to do this from the account where you intend to receive funds. You would go to that account, input the routing and account number of the account from which you plan to pull the funds and initiate the transfer. If this is the first time you have sent money between those accounts, you may need to verify that you own both accounts. One common approach used by banks these days is to send two small "micro-deposits" from the receiving bank (the one you intend to make a deposit) to the sending bank. The sums will be tiny – i.e., both will be less than 20 cents. The bank will ask you to verify the amounts. This step can take one or two days, depending on the speed of bank-to-bank ACH transfer. Once it has been verified that you own both accounts, then you can send the money.
Question: Can I Deposit Cash in a Surcharge-Free ATM network?
You may be able to do so. Some surcharge-free ATM networks have traditional branch bank and credit union ATMs inside their systems. If those ATMs can accept deposits, then you will be able to do so. However, it is rarely the case that stand-alone ATMs in grocery stores or gas stations will take deposits. The networks say that they intend to roll out machines with this capacity shortly, and indeed, some may already be in your community.