Ally and most online only banks won’t. It’s mostly larger banks with physical branches that impose this fee (for example, if you’re trying to get cash into the account- cash->physical bank->Revolut). Chase, Wells Fargo, Citi, US Bank, Keybank, those kinds of banks. Also, it affects geo-restricted cards- for example, my Discover debit card doesn’t work outside of North America. My Venmo card doesn’t function outside the US at all. Thus, I can’t do top-ups from my Discover and Venmo accounts at all.
Most. Discover Bank considers their routing number invalid. I just tried.