Bank Accounts: ATM Surcharges
If you withdraw cash from an ATM outside your bank’s network, both your bank and the ATM’s operator may hit you with fees—charging a combined average of $4.68, according to Bankrate. Choose a bank with a strong ATM network where you live and commonly travel. Or pick an account that charges no out-of-network ATM fees and reimburses you for the fees ATM owners charge.
Premium checking accounts from larger banks often provide such refunds (you’ll typically have to keep a large balance to avoid a monthly fee), and free accounts from some other institutions—especially internet banks—do, too. The free Ally Bank Interest Checking Account reimburses $10 monthly in out-of-network ATM fees.