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A comment on Rural America Turning to Grocers, High-Fee ATMs as Banks Leave. Parent comment

Re:Rural America Turning to Grocers, High-Fee ATMs as Banks ... by elfexec on Sunday December 22, 2019 @06:38AM (#21856619)
> On a recent trip to the US (San Francisco), I was surprised by how much ATMs charge. The ATM in my hotel was the lowest I found, charging only $4

If you use your bank's ATM, they won't charge you a fee ( aka waive the fee ). If you use another bank's ATM or a non-bank ATM, then it's highway robbery. So the only time I ever use an ATM is if it had my bank's logo on it.

> Compare this to Europe where in most countries ATMs do not have a fee

Wow. Does this apply even if you use another bank's ATM?

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Re:Rural America Turning to Grocers, High-Fee ATMs as Banks ... by fyfy18 on Friday December 27, 2019 @02:17AM (#21889751)
In my country I can use the ATM of any bank (even competitors) and won't be charged by my bank or the ATM owning bank. It's not a feature on my account, it's just the standard way things work here. It's not reimbursement either (as was mentioned in another thread about the US), they just don't have fees for this.
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Re:Rural America Turning to Grocers, High-Fee ATMs as Banks ... by hocuspocus on Sunday December 22, 2019 @07:22AM (#21856772)
> Wow. Does this apply even if you use another bank's ATM?

It varies but typically ATMs prefer charging the card issuer rather than the customer. So if you're using a bank that doesn't charge when you withdraw money out of its network, then it's essentially free. That's very common with online banks.

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Re:Rural America Turning to Grocers, High-Fee ATMs as Banks ... by beatgammit on Monday December 23, 2019 @01:32AM (#21861864)
The same is true in the US. Ally Bank automatically reimburses fees up to $10/month, and Charles Schwab reimburses without any limit. Each back obviously has its own network and policies for out of network withdrawals, but I can't remember the last time I actually paid an ATM fee (I use Ally Bank).
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