3. "The cost of an ATM fee (three bucks) is less than the cost of my time running around to find my own bank."
Once you've talked yourself into the fiscal soundness of saving a few minutes at the ATM in McDonald's (which is not your bank!), you will justify the cost over and over. To turn your "calculation" on its head, consider this estimate from an organization called ATM Experts, which is trying to sell the idea of owning an ATM to business owners: "So let's figure that you have a total of 300 people a day coming through your doors, and let's say that you are charging a $2.75 surcharge per valid withdrawal...Take the middle road that 4 percent of the people that see the ATM machine will use it. Then you can count on...a minimum of 360 transactions per month at $2.75 per valid withdrawal. That comes out to $990 per month or a total of $11,880 per year. All that from one ATM machine at one location." So...someone is making money while you lose money. Sound like a good reason to take the extra five minutes to drive to your bank?