ciscogon said:Great Florida Bank Unlimited ATM Usage Worldwide, REIMBURSED THE SAME day.Appears to require a branch visit to apply for an account, so I'm not adding it to the list. But a good option if you are in that neck of the woods.

dgcc said:I haven't received it yet, but my personal banker at BofA has ordered a Platinum ATM card for me. With this ATM card I will supposedly be allowed to use any ATM without fees. When I get it I will update my message. I'm not sure what the qualifications are to receive this ATM card. I have been a BofA customer for 30 years (opened an account when I was 9), so perhaps that has something to do with it. It's not like I have millions in an account with them.No fees charged by BofA for using a foreign ATM, but most likely you will still pay any fee charged by the ATM owner. As far as I know, BofA doesnt have any offering that rebates third-party surcharges. But let us know.

DavidScubadiver said:Honestly, I never understood why anybody would use a bank that did not reimburse them for atm usage. When I am out with friends and they "have to find a chase" bank or whatever, I just shake my head and wonder why they would add that kind of stress to their lives. Sure, they wonder how I can spend time making 10 debit card transactions every month to earn 6% on 25,000 and 5.5% on 50,000, but you'll never catch me struggling to find an atm machine that won't charge me a fee.

Where are you earning this, please?

guruganesha said:DavidScubadiver said:Honestly, I never understood why anybody would use a bank that did not reimburse them for atm usage. When I am out with friends and they "have to find a chase" bank or whatever, I just shake my head and wonder why they would add that kind of stress to their lives. Sure, they wonder how I can spend time making 10 debit card transactions every month to earn 6% on 25,000 and 5.5% on 50,000, but you'll never catch me struggling to find an atm machine that won't charge me a fee.

Where are you earning this, please?You can check out any of the Rewards Checking accounts listed in this thread for a good start (high APY and ATM rebates are the primary rewards for those accounts). Or go to www.checkingfinder.com for a summary of each account (although the list in this thread is more comprehensive).

Glitch99 said:guruganesha said:DavidScubadiver said:Honestly, I never understood why anybody would use a bank that did not reimburse them for atm usage. When I am out with friends and they "have to find a chase" bank or whatever, I just shake my head and wonder why they would add that kind of stress to their lives. Sure, they wonder how I can spend time making 10 debit card transactions every month to earn 6% on 25,000 and 5.5% on 50,000, but you'll never catch me struggling to find an atm machine that won't charge me a fee.

Where are you earning this, please?You can check out any of the Rewards Checking accounts listed in this thread for a good start (high APY and ATM rebates are the primary rewards for those accounts). Or go to www.checkingfinder.com for a summary of each account (although the list in this thread is more comprehensive).
The link Glitch referred to is more a search tool for applying for nationally available Reward Checking accounts.

IMO, the best summary of Reward Checking accounts is High Yield Checking Deals - Reward Checking Accounts. You can see a list of Reward Checking accounts by state, as well as nationally available Reward Checking accounts. The list shows the cap on each account (funds exceeding the cap will earn a substantially lower interest rate), as well as links to a review of each account and the account itself.

For discussion of specific Reward Checking accounts, see the FWF thread: Reward Checking Accounts (High Yield and Available to All).

For general issues and discussion about Reward Checking accounts also on FWF, see: Reward Checking Accounts - Issues and Discussion Thread.

Be aware that almost all of these rates are subject to change at any time, and with the Federal Funds Rate having fallen so much over the past 18 months, Reward Checking account rates have also fallen. The hope is that they will remain 1% or so above other FDIC insured liquid deposit accounts.

Who was just bailed out by the Feds? Who owns the ATMs? Who knows what happened with the Fed. money and no one can seem to explain what happens to ATM fees? There seems to be a free-for-all with the money holders in the U.S. That was my point. Stop them or slow them down for a little and let's see where it goes. I believe that I read there are as few as 6 major banks in the U.S. that hold ownership in the smaller banks, excluding the small town banks they can't get their hands on. The small ones are fine. Something is terribly wrong with U.S. banking and it just may have started small, such as with ATMs. I don't have an answer, just a small possible try at frustrating the ATM owners. Your sarcastic comment didn't offer any "Einstein" solutions to what was being discussed and my comment came down to that the accountability in banking is very worrisome.

soushi said:Who was just bailed out by the Feds? Who owns the ATMs? Who knows what happened with the Fed. money and no one can seem to explain what happens to ATM fees? There seems to be a free-for-all with the money holders in the U.S. That was my point. Stop them or slow them down for a little and let's see where it goes. I believe that I read there are as few as 6 major banks in the U.S. that hold ownership in the smaller banks, excluding the small town banks they can't get their hands on. The small ones are fine. Something is terribly wrong with U.S. banking and it just may have started small, such as with ATMs. I don't have an answer, just a small possible try at frustrating the ATM owners. Your sarcastic comment didn't offer any "Einstein" solutions to what was being discussed and my comment came down to that the accountability in banking is very worrisome.I own an ATM. Lots of non-banking entities own/operate ATMs.

The 'bailout' money was absorbed into the bank's capital structure, like any other outside investement would be (The Fed didnt bail anyone out, they actually bought a portion of each bank).

Not sure how avoiding ATMs will affect banks, aside from them not having to fill the cash vault as often? And it would cause longer lines at the tellers, which I'm sure everyone will find much more convenient.

Also not sure how not using an ATM would somehow make a bank more "accountable"? Those dots dont connect, either.

And still cant see how this is even relevant, let alone contributes, to a comprehensive list of banks that refund third-party ATM surcharges. (Perhaps you are frustrated to learn that you could have free ATM access, when all this time your bank has been charging you a fee for each withdrawal?)

Please take your off-topic ranting elsewhere, so this thread can continue to be a useful resource for anyone who choses to utilize ATMs.

Great Florida Bank FREE ATMS SURCHARGE REfunded sameday.

add metropolitan national bank

Glitch99 said:SegaRob said:add metropolitan national bankLink?http://www.metropolitannationalbank.com/personalChecking.aspx

It's a great free account, but they don't have a lot of branches. They had a $200 bonus for DD, but they are really picky about it being a real DD from employer / government. They don't accept ACH pushes and they will disqualify the bonus. I'm not sure if that offer is still available.