this post was submitted on 28 Nov 2023
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Other countries don't have ATM fees, either. I can go to almost any cash point with any bank and withdraw for free. It's only certain ones that charge, typically places with a captive audience eg festivals or certain retail parks.
The US is incredibly strange for charging people money to get their cash.
ATM fees do make sense if it's not a bank owned ATM, though. A separate company owns and maintains the machines, which costs money.
Yeah, those are the only ones that might charge. Standalone ones in shops, not at a bank branch, and in particular in places where people might be out drinking.
I'll just tell you about Japan... they will have "outside of business hours" ATM fees just because. Link to website
With the Postal Bank it is possible to carry around your passbook in place of your debit bank card to access your account. Even from an ATM that automatically records transactions in there which is kind of retro yet cool.
Edit: added link
So some ATMs don't have fees, and some locations do have fees.
Wow, sounds exactly like how it is in the US, too!
My experience in the US is you pay fees whenever you withdraw from a bank that isn't your own. In other countries, you don't pay fees unless you withdraw from an independent machine, and even then many are free.
I dunno though, I had a cushy US bank with no branches of their own, so they didn't charge fees anywhere. BoA were bastards though, and I've heard terrible things about Chase.
Chase has some of the best bank accounts in America.
The bank may be awful, but some of their products are among the best in the world.
.... Are you David Tennant?
Heh, they're in the UK now too? Cool. Yeah, the UK has some pretty shitty bank accounts from what little I've seen, so this helps.
Chase are still pricks though, to be clear. Bunch of bell-ends.