How to avoid ATM fees - Prepare your account with a bank that does not charge ATM transaction fees. Some accounts currently set a limit on the number of withdrawals you can make each month. This account can offer an increase in interest rates or a lower monthly fee, but make sure it matches your spending habits.
Join a bank that has a large ATM network. Not all banks have several national chains, but many of them work together to provide wider coverage for their clients. Find out which banks are on your network so you can avoid more generic ATM bills when you travel.
Use your credit card wherever possible to avoid using ATMs. Debit cards are free in most checking accounts and can be used almost anywhere. Some banks even offer the facility to use your debit card when you keep a savings account in it.
Buy a travel check if you are planning a trip to a foreign country. Some banks have international networks and allow you to use foreign ATMs at no charge. Travel checks reduce the complexity of trying to find and use ATMs in different languages, often with better exchange rates.
Anticipate your cash needs. If you have a number of ATM transactions without limited fees, try making a larger amount of withdrawals. This is more efficient at completing $ 100 and spending it in a week than using an ATM every day.
Get money back when you buy a debit card. Not only saves money from paying ATM fees, it also saves you time to go. Be sure to ask your bank if it charges fees for using cash back options.
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