this post was submitted on 25 Nov 2023
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[–] Ghostalmedia 203 points 1 year ago (31 children)

I’m not a big fan of the high fees, but I’m even less of a fan of big developers being treated differently than the little guy.

[–] [email protected] 52 points 1 year ago (27 children)

Some banks do this *** too. The more money you deposit, the less fees you pay. Because 'premium customer' and all this.

[–] [email protected] 43 points 1 year ago (21 children)

Yep Chase for instance: over 75k on deposit, no ATM withdrawal fees anywhere! You know, helping the people who need it the least.

[–] spearz 23 points 1 year ago (3 children)

Sorry for the ignorance, but you have to pay to withdraw money from your bank in the US?

[–] [email protected] 25 points 1 year ago (2 children)

From your bank in person, no. From your bank's own ATM, no. From an ATM run by another bank out of network, yes, there are often fees and your bank will waive them under certain circumstances.

[–] Earthwormjim91 2 points 1 year ago (1 children)

If it’s run by another bank out of network, your bank cannot waive them. The fees are set by the owner of the ATM and that fee goes to them.

Your bank can just cover/refund the fees for you.

[–] [email protected] 3 points 1 year ago

Yes, I understand that, since obviously they're two separate entities. Often banks themselves have a fee, which they waive. Then they reimburse the fee the other party charged.

[–] [email protected] 1 points 1 year ago* (last edited 1 year ago) (1 children)

Not if you withdraw from a store. I forgot the exact term. Just grab a drink or snack and select the withdraw amount on the card reader.

Yes. Technically paid extra but at least I get something back. Not ideal but better than using an ATM and risk a out of network fee.

[–] [email protected] 1 points 1 year ago

that's true, there's no fee withdrawing money at a debit point of sale.

[–] [email protected] 5 points 1 year ago (2 children)

Not necessarily. Usually your bank will have ATMs you can use fee-free. And often partner bank ATMs as well.

Out of network ATMs can charge fees, which you will prompted to accept before withdrawing, but that's not from your bank. That's the company running the ATM. Generally $3-5

I guess some shitty banks could charge fees on top of that....

Mine charges no fees and actually reimburses ATM fees (a certain amount per month)

[–] EineCat 5 points 1 year ago (2 children)

Chase absolutely charges you for using a non-network ATM. I have a friend that has Chase for their bank and will not withdraw from a non-chase ATM even if the ATM has no fees because Chase will just charge him after the fact.

Makes me wonder why he still bothers keeping Chase.

[–] [email protected] 2 points 1 year ago

Same here. I have a bank that charged their own fee in addition to whatever the ATm owner charges, so any withdrawal ends up being $8-10.

[–] [email protected] 1 points 1 year ago
[–] mellejwz 0 points 1 year ago

In the Netherlands as well, as well as when you buy stuff at a store. There's always a small fee when you use a debit or credit card.

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