3 of 22
Never Pay Another ATM Fee
If you use another bank's ATM, you know that you'll probably have to pay a surcharge (the average is $2.33) to that bank and possibly another few dollars charged by your own bank for using an unaffiliated machine. All of these fees can add an extra $5 to $10 to your withdrawal. But with online banks like ING Direct, Ally, Charles Schwab and USAA, you won't have to walk or drive miles out of your way to find a free ATM; some of these institutions allow for use of large networks of fee-free cash machines, and others (like Charles Schwab) reimburse you for all ATM fees—and pay a slightly higher interest than brick-and-mortar banks, without additional service charges.