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this post was submitted on 23 Jan 2026
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Fuck an ATM fee. I keep some money in a Federal Credit Union, then I just look for FCU ATMs which allow you to withdraw without fees, regardless of which bank owns the ATM. FCU density seems regional though so this likely doesn't work a lot of places, YMMV
Look up credit unions near you part of the co op network. Basically you can use any atms on that network as long as yours participates.
Thanks for saying it better than I did; it probably doesn't matter if they're an FCU as long as they're in the co-op network, it's just that every co-op bank/atm I've found has been an FCU
I once dated a girl who was with a bank that paid you back any fees incurred at any ATM.
I don't really remember the details, but I think that bank was super local or had restricted membership or something like that. Still an impressive offer, though.
There are a small number of banks that do this. One off the top of my head is Schwab's checking account.
Basically every bank in America pays back your ATM fees if you meet a very easy requirement. Like having 50 dollars deposited into it once a month. Or having a savings account. That deposits 50 bucks into it once a month.
The money typically doesn't even need to stay there past the base 50 bucks.
I agree, I considered some local bank with restricted membership, but I run into the issue that I travel A LOT so I'm not likely to be near that bank.