> So tired of being charged $2-$3 by the ATM, then getting hit on the > back end by my own bank for another $2-$3 just for using another bank's > ATM.
> So it costs me $6 to take out $20 from an ATM. Ridiculous, don't you > think?
> What banks are the best at keeping these fees low or even free?
> Joe Sarrach
We use Charter One. (I have no idea if they are national) We pay no fees as long as we use their ATM's. I use the card as a Credit Card when making POS payments. We NEVER use those stand-a-lone ATM's, and once in a blue moon have to use one from another bank if we haven't planned ahead and gotten the cash we need. (then we get hit with a $1.50 fee from that bank and another $2.00 fee from our bank. That hasn't happened in over a year) We operate on very little cash, choosing to use our Debit card for most purchases. It makes tracking expenses in Quicken much easier. Our checking account is totally free and has been for a long time.
We do have a car loan through a local credit union, but it's not convenient in it's location, so I wouldn't even consider having my checking with them. Last time I had to drive there to make a payment that had been "forgotten", it took me over 20 minutes to get there from where we live. My regular bank is within walking distance...just about a mile one way.
> > What banks are the best at keeping these fees low or even free?
> Do you have access to a credit union? If so, I think many of them belong to > networks where you can use other credit unions' ATMs at no charge.
It's not to hard to find institutions that will not charge you for ATM withdrawals, Washington mutual is advertising free checking right now. You just have to learn where you can use your ATM card and not get charged by the bank that owns the ATM. When I was living in Georgia I banked with a Credit union and used Presto ATMs at Publix grocery stores. They didn't charge to use the ATM, probably as a marketing ploy. I knew where every Publix was within 50 miles of where I lived. That was 4 years ago so I don't know whether they are still free.
George Grapman wrote: > The local grocery chains along with some gas stations charge about 50 > cents for cash back on an ATM purchase. Simply by an item and get $40 > cash back.
I seem to remember getting a couple of $hundred cash back from Ralph's and a couple of other markets, but that was long ago before I did most of my shopping at the produce stores where I pay cash.
-- Cheers, Bev ------------------------------------------------------------------------ "Give a man a fish, and you feed him for a day. Tell him that the government will give him lots of fish and he will vote for you forever. When he doesn't get any fish, blame the other guys." --A Taxpayer
>> The local grocery chains along with some gas stations charge about >> 50 cents for cash back on an ATM purchase. Simply by an item and get >> $40 cash back.
> I seem to remember getting a couple of $hundred cash back from Ralph's > and a couple of other markets, but that was long ago before I did most > of my shopping at the produce stores where I pay cash.
I do not know the limit. I usually do it for $20 or $40.
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joesarr...@yahoo.com wrote: > So tired of being charged $2-$3 by the ATM, then getting hit on the > back end by my own bank for another $2-$3 just for using another bank's > ATM.
> So it costs me $6 to take out $20 from an ATM. Ridiculous, don't you > think?
Some ways of dealing with that problem:
(1) Get a bank that doesn't charge you as many fees. (2) Get a bank that even refunds fees other banks charge you. (3) Get a bank (*cough* Bank of America *cough*) that has ATMs all over the freakin' place, practically one on every corner, so that you don't ever need to use a "foreign" bank ATM. (4) Never take out $20. Take out $200 or $300 each time. So that the cash won't burn a hole in your pocket, store it somewhere but only put one or two $20 bills in your wallet at a time, and never refill until you're fairly low. (5) Think ahead and plan more so that you can stop at your bank's ATM when you're in the area. (6) Use less cash. Use a credit card or debit card instead.
Personally, I mostly use #5, and sometimes #4. I tend to pay an ATM fee about once a year, so it's really not that bad.
Logan Shaw <lshaw-use...@austin.rr.com> wrote: > joesarr...@yahoo.com wrote: >> So tired of being charged $2-$3 by the ATM, then getting hit on the >> back end by my own bank for another $2-$3 just for using another >> bank's ATM.
>> So it costs me $6 to take out $20 from an ATM. Ridiculous, don't you >> think?
> Some ways of dealing with that problem:
> (1) Get a bank that doesn't charge you as many fees. > (2) Get a bank that even refunds fees other banks charge you. > (3) Get a bank (*cough* Bank of America *cough*) that has ATMs > all over the freakin' place, practically one on every corner, > so that you don't ever need to use a "foreign" bank ATM. > (4) Never take out $20. Take out $200 or $300 each time. So > that the cash won't burn a hole in your pocket, store it > somewhere but only put one or two $20 bills in your wallet > at a time, and never refill until you're fairly low. > (5) Think ahead and plan more so that you can stop at your > bank's ATM when you're in the area. > (6) Use less cash. Use a credit card or debit card instead.
> Personally, I mostly use #5, and sometimes #4. I tend to pay > an ATM fee about once a year, so it's really not that bad.
I havent used an ATM in many years, its much more convenient to pay by card and get a minimal amount of extra cash for trivial purchases using a cashout.
In article <1156778216.960220.169...@p79g2000cwp.googlegroups.com>, joesarr...@yahoo.com says...
> What banks are the best at keeping these fees low or even free?
I like Key Bank -- besides not charging me for ATM transactions, they reimburse me for the fees charged by non-Key Bank ATMs. The debit card reader was out of order at the convenience store this weekend, so I had to take cash out of their ATM with a $3 fee. Key will give back the $3 when my monthly statement runs.
> >> The local grocery chains along with some gas stations charge about > >> 50 cents for cash back on an ATM purchase. Simply by an item and get > >> $40 cash back.
> > I seem to remember getting a couple of $hundred cash back from Ralph's > > and a couple of other markets, but that was long ago before I did most > > of my shopping at the produce stores where I pay cash.
> I do not know the limit. I usually do it for $20 or $40.
> -- > To reply via e-mail please delete 1 c from paccbell
I have to use my PIN to get cash back. The bank DOES charge me for PIN purchases, but not for CC purchases. I only use my PIN when I need to withdraw money from the bank itself. Then it's free. I don't like using my PIN anywhere but the bank anyway.
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