Commerce Bank
$2500 avg daily balance
Up to $10 per month
Commerce

Drew510 said:Not bashing your thread, but why do you use an ATM? I can't remember the last time I used an ATM. You can get Cash Back at virtually any store that accepts debit cards. I rarely use cash anyway, but when I need it, I just get some when I am at the grocery store. My current bank has ONE ATM (community bank) and I would not change banks on ATM fees alone for the fact that they can easily be avoided.

Does your housekeeper take a debt card? Or how about the doorman or valets or delivery man or your gardner etc?

Do you need me to list more people who dont take debt cards? Like the hot dog stand, roach wagon etc

Umbrellabank

Linkk

One of the main reasons I've kept this account. It credits the amount after transaction fee from bank. Works great. Maximum depends on which account you have.

>>>Everbank Checking $6 - mail receipts in prepaid envelope link


Only if I have nothing else to do.

smahs said:... some brokerage firms issue ATM refunds. I mention this because many people, myself included, utilize my brokerage account as my bank. For example:

Fidelity offers ATM refunds, see: http://personal.fidelity.com/products/checking/content/investment_rewards_card.shtml.cvsr
Other institutions may assess ATM fees for use of ATMs in their network. Fidelity accounts coded Premium, or Private Access, or held by customers with householded annual trading activity of 120 or more stock, bond, or options trades, will be reimbursed for ATM fees charged by other institutions while using debit cards linked to the Fidelity Account (maximum reimbursement of $2.50 per ATM transaction, up to $75 per year)...

I just called up Fidelity about this and they told me that the rebates apply only to domestic transactions, and not to foreign transactions (which are assessed a 1% Visa foreign transaction fee + $1 Fidelity fee per transaction). If anyone knows differently, please tell... BTW, this is for the Fidelity Visa Gold Check Card.

jlkc said:smahs said:... some brokerage firms issue ATM refunds. I mention this because many people, myself included, utilize my brokerage account as my bank. For example:

Fidelity offers ATM refunds, see: http://personal.fidelity.com/products/checking/content/investment_rewards_card.shtml.cvsr
Other institutions may assess ATM fees for use of ATMs in their network. Fidelity accounts coded Premium, or Private Access, or held by customers with householded annual trading activity of 120 or more stock, bond, or options trades, will be reimbursed for ATM fees charged by other institutions while using debit cards linked to the Fidelity Account (maximum reimbursement of $2.50 per ATM transaction, up to $75 per year)...

I just called up Fidelity about this and they told me that the rebates apply only to domestic transactions, and not to foreign transactions (which are assessed a 1% Visa foreign transaction fee + $1 Fidelity fee per transaction). If anyone knows differently, please tell... BTW, this is for the Fidelity Visa Gold Check Card.

Do you have $500K or $1 Million to get coded as Premiere or Private Fidelity customers? Or do you do 120 trades per year? Considering the first 35 trades a year are $19.99 + the next 85 trades are $10.95 all trades after that per year are $8. You would have to be stupid, braindead and locked up to even consisder following this route to get $75 in ATM rebates per year. It would cost you $1634.24 in trades. Compare that to BOA or Wells Fargo online trading commisions would save you most of thoses commisions if not all of them leaving you with over $1600 to pay for your own ATM fees.

jlkc said: I don't believe I am "stupid, braindead, and locked up" for considering following this route since we already qualified due to our 401K holdings.

Read what I said. Unless you have $500K or $1 million the rebates are a joke if you qualify for them based on your trading activity.