How can I find banks with the lowest non-customer ATM fees?
October 24, 2012 3:11 PM Subscribe
Is there a way to find a list of what banks in a given area (for example, search by ZIP code or address) charge non-customers to use their ATMs?
posted by tckma to Work & Money (7 answers total) 2 users marked this as a favorite
Due to a series of personal moves, the closest branch of my bank is now an hour and a half from my house. For reasons I won't get into here, switching banks isn't an option for me at this time.
This is fine, since I do most of my banking online. When this presents a problem is when I want to deposit a check (my bank currently is behind the times and does not offer scan-to-deposit) or when I want to take money out of an ATM.
I rarely need to use an ATM. However, when I do, I would like to minimize the fees I am charged.
My bank charges $2.00 for using an ATM that isn't theirs. I can't change that. There was a bank near my house that charges a $3.00 fee to non-customers. Due to some fluke in the way that bank uses the global ATM networks, my bank never used to charge me the $2.00 fee when I used that particular bank's ATMs. Unfortunately, they have now caught on so instead of $3 I get charged $5 to get my own money.
What I would like to know is how I can comparison shop on the fees that other banks charge non-customers to use their ATMs. Obviously, if possible, I'd rather go to an ATM owned by Bank X if they charge a $1.00 fee as opposed to one owned by Bank Y if they charge a $3.00 fee.
Is there any convenient website where I can perform such a search? I'd rather not call every bank in my area and ask what they charge non-customers to use their ATMs.