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Old 01-02-2016, 07:00 PM   #29
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Originally Posted by Tom N View Post
So how many times have you used an ATM where you haven't been "robbed"??
Probably several hundred. Very rare occurrence I'm sure.

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Old 01-03-2016, 10:53 AM   #30
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I use both a traditional bank, which I'm keeping due to a couple of services my Credit union does not YET offer

And a Credit union.

IN MOST areas there are multiple Credit unions and you run about a 50/50 on finding a FREE ATM. (not all are) sometimes you need to shop or ask (Online search tools) to find one.

you are only about 10% likely to find a Bank ATM you cna use for free. if, that is, your bank offers them. (not all do)

But I've found free Credit Union ATM in all but one parking area so far, alas, that's the one I'm in now (S.E. GA) and to be honest I've not searched that far... Another fact:

Some stores: If you ask for "Cash back" when using the debit card, Charge,,,,, some do not... Alas, once again I can not tell you which is which. But that's how I'm getting cash here. The local CU charges. the local Grocery does not.

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Old 01-03-2016, 09:40 PM   #31
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Originally Posted by bdickson View Post
Same for us. We use credit cards for everything from fuel and groceries down to an ice cream at Dairy Queen. I maybe hit an ATM two or three times a year, and if it charges a fee, so be it, part of the cost of being mobile.
If I can't afford an ATM fee I'd better stay home.
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Old 01-03-2016, 09:42 PM   #32
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Originally Posted by Ray,IN View Post
If I can't afford an ATM fee I'd better stay home.

Agreed!!!! USAA - no fees!
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Old 01-04-2016, 09:55 AM   #33
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Originally Posted by cashmore View Post
Agreed!!!! USAA - no fees!
Actually not totally true...
Copyright 2016 USAA.

Note 1 USAA Bank refunds up to $15 in other United States domestic banks' ATM usage fees each month and does not charge a fee for the first 10 ATM withdrawals. Subsequent transactions will be charged $2.00 each. Transactions at ATMs located outside of the United States may not be eligible for ATM usage fee refunds. A 1% foreign transaction fee applies to withdrawals outside the United States. No ATM usage fees will be charged at USAA Preferred ATMs pursuant to an agreement with the ATM network/owners to not charge an ATM fee for USAA Bank ATM Debit cards.
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Old 01-04-2016, 11:18 AM   #34
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95% of the time, everything goes on the CC, but I never leave on a trip without $100 in misc small bills and a min of one $100 bill for emergencies or getting a better price on a tank of gas by forking over the greenbacks. Unless you lose your wallet, it doesn't cost anything to carry cash, and it saves me money quite frequently. Look into whether or not your bank or CU is part of an ATM network, and therefore free ATM use any thousands of locations. I have been VERY happy with Capital One 360 online checking/savings accounts (Formerly ING). Accounts are free and the savings accounts even give some interest. (It's not much, but it's multiple times better than Wells Fargo, B of A, etc) I deposits checks using smartphone mobile app, and get unlimited, free Atm use on the 'AllPoint' network, available in every Walgreens, CVS, and much more. These stores are more numerous and convenient than WalMart cash back with $50 limit. When that cash starts to runs low, I look for a Staples and use their hi-tech color copy machine ;-))
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Old 01-04-2016, 12:05 PM   #35
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While we're on the subject of money, I recommend that you and your spouse divide up which Credit/bank cards you will each carry. For example, my wife carries our MasterCard and our credit union ATM card. I carry our Discover card and our 360 ATM card. That way if one of our wallets get lost or stolen we only freeze those cards, and still have accounts to use while we sort it out.
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Old 01-04-2016, 01:42 PM   #36
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We use credit cards for most everything we purchase. We carry two different CCs - and try to split transactions between them. Both are set up so that we get text messages every time they get used. Bills and banking are all handled online. I do NOT use automatic bill payments - but instead prefer to actively manage the payments. I simply don't care for the idea of somebody else initiating the removal of money from my accounts (regardless of how convenient it might make things).

We do use cash as well. For the most part - we use it for the tiny stuff out of pocket spends (i.e., < $10 stuff, often at places that aren't really structured for processing CC transactions).

However, we do keep a few hundred hidden away "just in case". We've had a couple of instances over the years where something triggered a "fraud alert" that in turn locked up my credit card. We were in Toronto for a hockey tournament with my son's youth hockey team ... paying for the hotel triggered a "fraud alert" freeze on my credit card ... such that I couldn't use it to buy gas for the 300 mile drive home. It was a major inconvenience - not to mention quite embarrassing since I was unable to get it cleared up and the card restored for a few hours. As a result of that experience - I always keep a small stash of cash available as a just in case contingency.

When it's time to replenish the cash stash - we do it via ATM machines. We try to use ATMs that are part of our bank's ATM network (zero fees and higher withdrawal limits). If using an ATM on our bank's network isn't practical - we make a point to use an ATM at another bank. When it comes to ATMs - we NEVER use the little stand alone ATM machines like those found at gas stations, drug stores, etc. We prefer fewer large ATM transactions vs regularly hitting the ATM for $20, $30, $40... "sips".

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