Best Banks that Reimburse ATM Fees?

Withdrawing cash for the duration of your trip is kind of foolish when traveling abroad in 2016. Potential for disaster written all over it.
 
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Credit Unions > * . I can pull out for free at 7/11 and another CU that is at my jobs business park.

If I can't got there Sheetz, Wawa , or Royal Farms works for me.

I only pay ATM fees if its an emergency and I am not near one of these places.
 
dakid23 said:
I use a credit union, but check out Fidelity they have no atm fees including internationally.

https://www.fidelity.com/cash-management/atm-debit-card
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This isn't like a prepaid joint right? I`m also concerned about Customer Service since this is where the bulk of my money will direct deposit to, so being there there arent any physical locations (not that I ever go inside the bank) I want to make sure I`m good.
 
LuckyLuchiano said:
This isn't like a prepaid joint right? I`m also concerned about Customer Service since this is where the bulk of my money will direct deposit to, so being there there arent any physical locations (not that I ever go inside the bank) I want to make sure I`m good.
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It's def not a pre paid card. Fidelity has locations around the US.

When i travel and I NEED to take out cash i always withdraw from the ATM. Withdrawing from an ATM gives you a better rate than exchanging your money.
 
Just signed up for Charles Schwab, all the comparisons with Fidelity I read, Schwab got the edge in majority of the reviews.

Thanks to all that helped.
 
LuckyLuchiano said:
On the east coast I noticed there are Way more Wells Fargos especially in the South because of them buying Wachovia, so even around my crib there are a ton of Wells Fargos and a few BOAs, while when I was in LA there were BOAs everywhere, but a city like New Orleans I dont think I could find one in the whole city.
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Surprisingly there are ZERO Bank of America branches in Louisiana, Colorado, Hawaii and a few other states. Bank of Select America.

Almost all credit unions partake in the Co-Op ATM program. Look on the back of your ATM or debit card and if you see the co-op triangle then your CU participates. Since CUs are only allowed to service counties their registered to do business in it limits their service to you when traveling. To offset that they cooperate with one another to provide cash withdrawal services at each others' ATMs at no cost to you.
 
DCAllAmerican said:
JJs07 said:
Why don't you just use your check card when traveling domestically and avoid the ATM altogether?


(or just withdraw the cash you need before you travel)
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LuckyLuchiano said:
There a cash only mom and pop shops in many major cities, and I prefer not to carry cash with me in general. I use my Amex like cash (fraud protection and points system) so its annoying when you hit up cash only spots.
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I am the opposite. Using my bank card is usually my LAST choice when I am away from home

A. Cash
B. Credit
C. Debit (When needed)
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Just out of curiosity, why are you skittish about using your check card away from home, but still in the US?

I hardly ever have cash on me.
 
I rarely use my check card period. I mostly use the Credit Card. Pay that balance at the end of the month. Rack up on Discover Cash Back Bonuses.
 
I'm about to cancel my BOA accounts and stay with the CU I got now. Should have done this awhile back.

Question, do they charge you for closing both a savings and checking account? If so can you just say **** it I'll leave the balance at zero and wait for them to close it?
 
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TD Bank - Premier Checking Account ($2500 minimum balance)

As long as you keep that in there you can use all the foreign ATM's you wanted and get reimbursed.
 
EyeSeeSoles said:
I'm about to cancel my BOA accounts and stay with the CU I got now. Should have done this awhile back.

Question, do they charge you for closing both a savings and checking account? If so can you just say **** it I'll leave the balance at zero and wait for them to close it?
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No they don't charge for closing accounts. They can charge if you close the account with a pending automatic payment. The reason being they'll end up paying the bill or service for you. Don't take that as "sweet, I'm good for the month." You're not. Instead of you closing the account they can charge it off, meaning you owe them. If you don't pay them back they can send you to collections after 30 days. Typically financial institutions will wait 90 days because collections is a last resort, but still.
 
just use a credit card and pay it off with what you would take out of the ATM plus they have cash back benefits

I get like $700 cash back a year with my AMEX
 
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