mttatkns said:Glitch99 said:Could we please limit discussion to accounts/banks that offer free access to ALL ATMs nationwide, regardless of where it is located, what network it is on, or who ownes it, or if a surcharge is applied at the machine? Virtually every debit card offers free use of certain ATMs at certain locations.Also, it would be nice to have notes on whether or not the same policies apply for international ATMs, or the thread title should be modified to reflect that discussion is limited to domestic ATMs.This is harder to determine with a cursory review of the bank's website, it often requires reviewing the actual account T&C or contacting the bank directly to find out (and as I never leave the country, I have no incentive to dig up such details myself).

But as the OP notes, anyone with knowledge about reimbursements for international withdrawals is free to make a note for that bank. For frequent, or even infrequent, travelers, it would be valuable information.

kranky said:Glitch99 said:kranky said:For people who get ATM surcharges refunded - does your bank refund the exact amount of the surcharge, or a flat rate per foreign ATM transaction?The exact amount, unless there is a per-transaction cap.

The reason I asked is that I get refunded $2 each time, even when I use a foreign ATM that does not charge me a fee.What bank? Is the bank itself charging a foreign ATM fee for using an out-of-network ATM, then refunding it? Or are you actually gaining $2 each time?

Glitch99 said:kranky said:Glitch99 said:kranky said:For people who get ATM surcharges refunded - does your bank refund the exact amount of the surcharge, or a flat rate per foreign ATM transaction?The exact amount, unless there is a per-transaction cap.
The reason I asked is that I get refunded $2 each time, even when I use a foreign ATM that does not charge me a fee.What bank? Is the bank itself charging a foreign ATM fee for using an out-of-network ATM, then refunding it? Or are you actually gaining $2 each time?

National City. There is an ATM from another bank in the building where I work. That particular ATM does not charge a fee to withdraw cash regardless of what bank the ATM user is with, and I assume that was a condition of allowing the bank to put the ATM in our building. This is the only non-National City ATM I have ever used (or needed to use) because of its convenience. My National City account does not charge me a fee for using an out-of-network ATM, and rebates the charges that an out-of-network ATM charges (this is the way they advertise it). So National City does not charge me a fee, and in this case neither does the out-of-network ATM.

Each time I withdraw cash from that ATM, I get refunded $2 from National City on my statement. So indeed I am ahead $2 for each use.

I use Fidelity mySmartCash. No fees anywhere, and no minimum balance.

I was surprised that HSBC reimbursed me for the $4.99 extortionate ATM fee at one of the Vegas casinos. Twice!

Correction on the TD Bank. Any previous Commerce Bank (recently bought by TD) customers already have the $2500 minimum balance. There is a cap of $10 per month.

Horseymen said:If you are a preferred plus member at Compass Bank in Texas and other southern states, they will automatically refund you any fees.. used an ATM in Vegas, for instance - $5 dollar fee - took out $20 - charged $25 - there was an immediate $5 dollar "credit" to the 25 dollar "debit".Is this the same Compass Bank already listed in the QS? Because that one's website says you need to mail in ATM receipts to get the rebates.

If you are talking about a different "Compass Bank" give us some more details/website link, and we'll add it to the list; if its the same and your experience says there's no need to mail in receipts, it should be noted on the list.

EDIT: Same bank, but the higher-tier "Prefered Plus" relationship - requiring a $100,000 combined balance at the bank - is needed to qualify for automatic rebates.

For what it's worth, I've been with Acacia Federal Savings Bank (Falls Church, VA) for several years (even though I now live in Vegas) and their customer service is excellent. Moving to Vegas, I kept my account with them and opened a Wachovia account (so I could have a local safety deposit box) - but I actually haven't used the Wachovia account once - everything's with Acacia. They are REALLY good!

If everyone stopped using ATM's for a week or two and cashed checks anywhere they can be cashed, the lending institutions would soon wake up! Yes, it's slightly inconvenient, but after the bailout without any significant ramifications, evenly indirectly to local ATM's, the most inept have to get the idea that the public disttust is at an all time high and waiving the charge might be a simple way to "sweeten" their image to the general public. Who knows, the CEO's might get a free donut or cup of coffee(lol)!

Great Florida Bank Unlimited ATM Usage Worldwide, REIMBURSED THE SAME day.