How can I avoid ATM surcharges?
Use ATMs owned by your own bank.
Look for other ATMs that don't surcharge. Avoid relying upon ATMs
in convenience stores, hotels, casinos, restaurants, and similar
locations, as they are most likely to impose high surcharges.
Plan ahead, and withdraw more cash at a time.
Consider other methods of obtaining cash:
- Merchants that accept ATM cards for purchases ("point-of-sale"
transactions) often will add a cash withdrawal to the purchase
price without imposing a surcharge.
- Supermarkets and other businesses frequently offer check cashing
services, usually for a lower fee than ATM surcharges.
- When traveling, use travelers checks, personal checks, or credit
cards, or try cashing a check at your hotel rather than using
an ATM card.
The PIRGs (Public Interest Research Groups) offer
recommendations for reducing bank fees.