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by dangrover 5672 days ago
Hmm, makes me want to use cash for everything, but then I'd have to pay an assload in ATM fees.
3 comments

You know, you can walk into a bank and withdraw a wad of cash without a fee.

I went for a couple of years at an employer, walking my paycheck to the credit union each payday and simply cashing it. I'd deposit enough for writing checks for bills, but I otherwise started every other week with $2k in my pocket. Then they mandated direct-deposit, so I got lazy and my large cash withdraws became less and less frequent.

Or pick a bank with conveniently located ATMs. I don't understand how ATM fees are an issue at all; I use cash way more than the average person and have never paid any.
If you just get cash in moderately sized portions, its really not that bad. A $2 charge for a $200 withdrawl is chump change.
That's like an extra 1% tax on all my purchases, just for privacy. And it goes out the window if I use a "loyalty card" or email coupon.
No, it's a onepercent tax to use any old ATM out there. Use your bank's or credit union's and you done have to pay a thing (outside the normal fees incured by using any finacial institution).

Its also probably worth noting that most will reimburse you for a numer of ATM fees a month...

I have Schwab, which promises this.

However, most shitty ATMs coalesce the charge and the amount withdrawn into one amount (e.g. you get a charge for $41.75 or something). In that instance, you have to file a claim with the bank. Waste of time.

Funny, I already use cash for almost everything.

But I did it because I didn't want the credit card companies to have every detail about my life.