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Or just buy something at Walmart and get the cash back on your credit card. Rewards AND a fee-free cash advance, as long as you pay it off each month.
I think my grocery store does cash back on credit now, too.
Or just buy something at Walmart and get the cash back on your credit card. Rewards AND a fee-free cash advance, as long as you pay it off each month.
I think my grocery store does cash back on credit now, too.
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Bangor Savings Bank of MaineUnlimited, reimbursements post (almost) immediately
@ConroyCotta: Bangor Savings Bank here too.
They offer free ATMs worldwide, not just in the USA, and the reimbursements are posted the next business day.
Bangor Saving Bank FTW. I've been using them for years.
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My Local Credit union does , Stick with credit unions
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My credit union does, unless I use the one credit union in town that refused to negotiate that perk with my credit union.
\"Bank of Internet\"....Wow, is that based in Nigeria?
Seems to me that most of these banks are those that have no brick-n-mortar locations--and no stand-alone ATMs, either--to speak of. With no option but to use someone else's ATM, a fee refund should be a no-brainer.
That said, I'm not gonna be trusting my money to \"Bank of Internet\" anytime soon.
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@Rob Weddle: And how! Same with \"First Internet Bank\". I'll bet their brick-n-mortar is in Nigeria.
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@summerbee: Nigeria? Good guess. I just opened a savings account there and made my first deposit via Western Union.
Bank of Internet? If I came across an ad for a place called Bank of Internet, I'd immediately be very suspicious.
@summerbee: I have had an account with them for a few years. I was a bit suspicious of the name as well, but checked them out and verified they were FDIC insured before I gave them any money. They've been great. High interest checking and ATM reimbursement. When I first joined, their online system left something to be desired (which for an online bank, is not a good thing), but it has since been improved
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Fidelity mySmart Cash CheckingI have one and the reimbursements NEVER post the same day, it's always after 2-3 business days.
Unlimited; reimbursements post same day
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@Munsoned: For me, usually it takes a few days for the actual withdrawal to post (I know, because my account is set to sell off money market positions to cover ATM withdrawals, and I don't get the trade confirmation for a few days after I take money out). Once the withdrawal posts, I get a reimbursement the next day.
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LOL... \"BANK OF INTERNET\"... awesome. I want to start the Bank of Interwebs and Bank of Blogosphere next!
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Decatur First Bank, www.decaturfirstbank.com, reimburses 10 ATM fees monthly.
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I have an account with National Interbank, have for years, and they refund $4.50 - $6.00 a month, depending on what type of account you have.
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@kellkell: With ATM fees around here that would cover 1.5 to 2 ATM pulls. Ugh.
Glad to see First Republic up there. I've been really happy since I switched to them. When you go to their offices (it doesn't feel like a 'branch') you get to sit down at a desk with someone and take care of your business. So much better than waiting in a queue to talk at someone through bullet-proof glass.
And twice when I was going to bounce a check they called me and asked if I'd have it covered in the next day or so. When I said \"yes\" they covered the check for me and didn't charge me any fees for it. Take that whatever bank you use!
Cambridge Savings Bank (cambridgesavings.com) refunds...up to some limit, I think. Also they have rather good customer service.
i've had no problem with Citizen's bank refunding my ATM fees, but that's because they said they had an ATM in my area and it's been broken for over a year now...
Century Bank, local bank located around Dallas/Texarkana, unlimited
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I'm using 5/3rd and they reimburse up to two non-jeanie run ATM withdrawls per statement period. and free ATM use otehrwise.
@Rob Weddle: @310Drew: Claims of legitimacy aside, there's something to be said for (against?) any business without even a modicum of basic marketing savvy.
The Bank of Internet slogan:
\"Were a series of Jars, in a series of tubes.\"
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I hate USBank.
@calquist: I don't unerstand why, they have thosands of US Bank branded ATMS and 2500 branches, I've never had a problem finding one of there ATMs and if I ever felt to lazy to go to an US Bank ATM I just get cash back at a store which is even available at Mini Marts (much of the time).
Plus you need to make more of a Play off the Five Star Credit (You'll have better luck if you have some kind of Debt or High Investments with US Bank or you have been with us for a while and you don't Overdraw your account) if you go somewhere where there are not any US Bank ATMs (and I mean like not in the same town/city) like New York and you used an ATM there because you had too bring it up to your branch and they will most likely give you a Five Star Credit. Now 24 Hour Phone Banking can issue credits but they are much more harsh about it then your branch will be and will most likely deny you on the spot.
I use PNC and got grandfathered into an old offer they used to have where if you get direct deposit each month, and use bill pay each month,they reimburse all ATM charges (no charge from them and they reimburse the other banks fees). I guess they now require the min. balance. The refunds usually come within 1-2 days.
West Coast Bank in Portland - 10 reimbursed non-WCB transactions per month.
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West Bank and Bank Iowa provide ATM refunds in addition to 5%+ APY for any Consumerist Iowans. :)
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Mine is Commerce and they're not on here either.
I don't have to pay anything if I use their ATM though.
@HogwartsAlum: I knew Commerce bank did the reimbursement, but it only worked for us when our account was over $2,000 for the entire month. If TD bank changed it to no minimum, that's a great reason to stick with them.
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Commerce doesn't exist anymore though, it's TD Bank. Was not expecting that the day I logged into my online acct and everything was GREEN.
I do love the ATM reimbursement still.
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M&I Bank - No fees on third party ATM access and it also reimburses ATM fees charged by ATM owning company.
I hope the TD Banknorth bit doesn't mean existing account holders have to have a minimum. They've been quite good to me, occasional service charge notwithstanding (although they aren't as bad as Hudson United Bank, which got assimilated into TD Banknorth), even dutifully refunding about $30 in fees racked up at the Las Vegas extortionary rates. Every now and then, I'll pay for something with my debit card (emblazoned with \"NO ATM FEES\" across the top half of the card) and the cashier can't believe they refund fees.
I'd still go with a credit union when I open a savings account, unless they can offer better interest rates, which I doubt...
Story aside, I just wanted to observe that the picture above proves what I knew all along: there's just a little guy in the ATM machine counting out my money.
I bet he's the same guy who shuts my fridge's light off, too.
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I have First Republic and got them to waive the $2500 min balance. I was with them for only a few months and told them I wouldn't be able to maintain that much (moved it to an ING high yield savings) and they said ok. Not sure if had to meet a certain criteria to qualify, but glad I asked them before closed account.
To update Mechanics Bank info: ATM refunds are monthly.
Also, credit unions on the CO-OP Network charge no ATM fees wherever you see the CO-OP logo (mostly western US credit unions).
Add BankPlus of Jackson/Southaven, MS.
![\"user-pic\"](\"http://consumerist.com/assets_c/userpics/userpic-508188-100x100.png\")
Does anyone know if this includes foreign ATMs also. Say I went to Europe and drew money, would there be a fee for that? I despise paying ATM fees or paying for Checkbooks.
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so chase can buy wamu but not offer me $2 back when i can't for the life of me find one of their 'almost 14,000 nationwide atms'
Being able to have access to your own money without a fee....?! WOW! What a concept! (sarcasm)
Idiots should never charge for this anyway.
TD Banknorth no longer exists... When it merged with Commerce Bancorp, the banks changed their name to TD Bank. Evidently, the bank still offers reimbursements. BTW, anyone who thinks all of these banks are virtual, go down the street anywhere in New Jersey, and you can't miss a TD branch. Ditto for PNC.
@Matthew Wurtzel: Same as up and down the CT shoreline, especially around New Haven. They're not as prolific, no, but there's plenty of TD Bank love to go around.
Dude!@#! Commerce used to be called the most convenient bank,which is open 7 days a week, of course they have physical locations ;) I have one within a few blocks of my house & my job. They have a lot of locations in the tri state area and even some in FL, other states I never bothered with.
Wachovia refunds up to $6 a month
Navy Federal Credit Union refunds up to $10.00 per month if you have the e-Checking, which is free with direct deposit. You can also get $20 a month with Active Duty checking.
Bank of North Georgia reimburses all mine....then again, I use it about twice a month and the most might have been 5 times in one month.
Anyone know if HSBC does? When I was traveling overseas I tried to look up which of my credit cards or banks had the lowest foreign transaction fees and I thought one of them said they'd refund ATM fees either domestically or internationally - can't remember. I think it was HSBC. It is a PITA to find out fees/charges at financial institutions though.
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Bank of America will refund ONE ATM fee (i think per year) with the Student checking account
Smith Barney's FMA card: [www.smithbarney.com]
\"Free ATM withdrawals at over 23,000 Citibank, MoneyPass, Publix and participating 7-Eleven ATMs. ATM surcharge fee reversals, up to $200 per calendar year, when you use an ATM that charges a fee.\"
PNC is one of the banks listed, eh?
I went to one in NJ, and they charged me a $3 fee!!!
Of all the nerve! No wonder they can afford to give their members free atm usage.
They also have some ATMs in a local mall by me, and those aren't cheap either.
My bank actually refunds any and all ATM fees without question and can do so as long as 60 days have not passed. Theyve even recently adjusted the rule to allow for refunds of international ATM fees on a case by case basis. They do so anytime you ask, and will automatically do it if your balance is $2500.00 or above. Its First Reliance Bank in SC.
Campus Federal Credit Union in Baton Rouge, Louisiana refunds members up to $30 in ATM fees and pays 5% on your checking account as long as you do.
A. 15 debit/credit card transactions per month
B. Sign up for paperless statements
C. Do 1 direct debit or deposit transaction in a 30 day cycle
they pay 5% which is AWESOME!!!
Verity Credit Union refunds up to $25 per month for Washington State residents on a 4% APY online checking account (Velocity Checking).
Shinsei Bank does that even on withdrawals made abroad.
Wachovia will refund up to 6 dollars per month.
I used an ATM machine at Dillards in the Eagle Ridge Mall in Lake Wales Florida that stated there was a $2.00 fee per transaction. They actually charged me $7.95 per transaction and because of the $500 limit on a cash withdrawal it required two tranactions, for a total of $15.90 to withdraw $780.00. Who's going to refund the difference?
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Nice to see Citibank isn't on ANY of those lists....great.
@MerlynNY:
Hmmmmm, I have CitiBank and they will refund me ATM fees up to a certain point. Not sure what that point is though. I think maybe $10????
They post monthly so it is debited and then at the end of the month, you will get a seemingly random credit... but it's just a credit of your ATM fees.