A very useful POI list for me would be surcharge free ATMs. I should never have to pay to get my money. This is a huge task but I have organized my current resources. All of these do have a search by address / zip code. My credit union lists the search engines at https://www.hvfcu.org/AB/AB_ATMs.cfm
I know a few people who work at the local credit union and hope to get a spreadsheet snap shot with coordinates in the near future.
Also I would like comments from others about any other surcharge free ATMs. My current list is:
Allpoint - 40,000 in US - 4,000 in NY,NJ,CT alone - all Target stores and most Exxon / Mobil, Hess, and Stop & Shop locations
CO-OP - 25,000 US and Canada - 5,500 at 7-Eleven
SUM - 2,800 US
Presto - 900 in Southeast - all Publix Super markets
Kwik Trip - 370 in MN,WI,IA (from jmarqua) Are there more?
Fortunately, I bank at Compass Bank and they refund any atm fees your are charged, nationally or internationally, when you use your Compass Bank ATM or bank card. Saves me a lot of time looking for specific banks that don't charge a fee. I think there are a number of banks offering this feature, now.
But you do pay for this by receiving less interest and paying for checks etc. I still don't understand why individuals use banks when credit unions are such a better deal, unless you are using surcharge ATMs.
Not on my account. I get free checks and a free safety deposit box, as well as no atm fees and free bill pay.
I believe WAWAs also have surcharge free ATMs.
I rarely use ATMs 'cause most of my transactions are online and electronic debit. Sometimes I get cash back from grocery stores when needed. That all.
The best way I've found to get free cash is go to almost any stord buy some cheap idea ie pack of gum use your card as debit get cash back
I closed all of my account at the local BB&T and transfefed all my funds to Call Federal Credit Union. I pay no ATM fees, if I use a Cash Points ATM nation wide. No monthly account fees, In fact I earn intrest on all the accounts, including the checking.
If you have access to it, USAA has very good banking services. I deposit my checks with a scanner at home (you apparently can use an iPhone app as well) and they refund other banks ATM fees up to 10 dollars a month. There is no minimum balance, I do basically everything online for free (including having them send rent payments, etc for me so that I don't even pay for postage for that). It also gives me a multiple USAA product discount on my insurance from them as well.
If you can't find a bank that meets your needs, surcharge-free ATMs and cashback on debit POS transactions are fine options.
Edit: I just realized that this reply was made to a zombie thread somebody else resurrected, doh! Good banking info if somebody is interested though.
Just what I do--have not used an ATM for years.
That would be very heplful!
I really appreciate it!
This thread is pretty old. Has a POI database showing free ATM locations ever been made?
...used an ATM out of my banks network. (Whoops, I just remembered. One time in Virginia. About 15 years ago. Cost me $3.50 in fees. Never again.)
"Free" ATMs is subjective as they all charge fees now from my observation. The only "free" ones are those in your particular bank's network. Fortunately, my bank has a smartphone app that let's me locate one (and they are in all US Target stores as well).
That is not my experience. It may be true with banks, but I have accounts at several credit unions, and all of them have free ATM usage at any ATM run by a credit union that belongs to the CU association. If my memory is correct, that is currently something in excess of 30,000 ATMs around the US.
In addition, one that surprised me some years ago was that I found several ATMs in Europe that were free for my US credit union debit cards. I NEVER expected that!
(BTW, the above does not mean that all CU ATMs in the US are free for CU cards, as I have encountered some that charge. However, most of the ones that I have seen are free.)
- Tom -
- Tom -
You have to be a member of that particular network. If you or your credit union isn't a member of that network, then you are assessed a fee. Now, my brokerage has a "bank" and issues debit and charge cards and they do pick up all fees from any ATM but then I don't leave a lot of cash sitting in a brokerage account. I'd rather it was working in a CD or stocks and bonds than drawing less than a quarter of a percent in money market funds.
My bank belongs to the Allpoint network with over 28,000 ATMs but I can't walk up to any ATM and expect no fees. I believe that is what the OP who resurrected this thread was looking for.
I belong to a credit union. My free network for my debit card is US Bank and its locations. I think if I do a balance inquiry, I get charged.
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