ATM Fees Are at a Record High, a New Survey Finds (cbsnews.com) 111
An anonymous reader shares a report: Getting cash from an ATM is growing increasingly expensive as fees reach record highs. Americans are now paying an average of $4.86 for out-of-network ATM withdrawals, up 1.9% from $4.77 last year, according to a new survey from Bankrate.com. That's the highest on record, according to the personal finance website, which starting tracking ATM fees 27 years ago.
"ATM fees are just one of those avenues that the bank can very freely continue to charge fees," Bankrate financial analyst Stephen Kates told CBS MoneyWatch. Those costs include charges from both ATM owners and banks. According to the survey, the average fee from cash machine providers is $3.22. Banks charge $1.64 on average, up 3.8% from 2024 -- the highest since 2018. As a result, Americans in certain metro areas could see average combined fees of more than $5.
"ATM fees are just one of those avenues that the bank can very freely continue to charge fees," Bankrate financial analyst Stephen Kates told CBS MoneyWatch. Those costs include charges from both ATM owners and banks. According to the survey, the average fee from cash machine providers is $3.22. Banks charge $1.64 on average, up 3.8% from 2024 -- the highest since 2018. As a result, Americans in certain metro areas could see average combined fees of more than $5.
$7 in Canada (Score:2)
Out of network ATM withdrawals in Canada cost around $7 if you don't have a premium banking plan... with $3.50 being charged by your bank, and $3.50 by the ATM owner bank.
Re: $7 in Canada (Score:1)
Yeah, but thats,$7 CDN, its not 'real' dollars, we dont know how to convert your metric money into imperial dollars...
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£0 charged by most ATMs in the UK (for any UK bank withdrawals, if its your bank or not). Hell, we actively avoid going to machines that charge because there are enough that don't.
A few years back the old farts in a couple of banks kicked up a stink to the regulator about it. "why should be provide a service for free which isn't free?". There was such a public backlash that they STFU about it, and haven't brought it up since.
If I recall, in protest people were sending 1 pence to each other (which agai
Re: $7 in Canada (Score:2)
Yeah I was always impressed by that in the UK, but also a bit confused on what the incentive is for banks to build out their networks.
The high out-of-network fees in Canada cause the banks to compete on this... banks with more ATMs in an area will get more customers. As a result we have bank ATMs everywhere.
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We had a "cashpoint wars" where banks were trying to get their machines in good places. Back then they used to need a branch to go with it, and they couldn't get enough branches in enough places, so were losing out to others because of planning rules and the like. The regulator stepped in and forced the to interoperate, and so we got fee-free withdrawals from anyone's machine.
There's much less need for ATMs than there once was, so it's all gone a bit quiet. We've still got a lot of machines though.
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Wealthsimple will refund up to $5s in ATM fees if you have an account there. I think it might require an account minimum, but their chequing accounts pay out something like 3% (it's pegged to the Bank of Canada rate).
Anyway, I got super sick of the fees at TD, so I've switched basically all my banking over. I feel strongly that everyone in Canada should take a look at their bank and probably switch to either a Credit Union, or some sort of online bank. It doesn't have to be Wealthsimple, just get away from
Who is paying ATM fees? (Score:3)
There are lots of perfectly respectable banks that will payt he ATM fees for you.
I use Schwab. I hear Etrade does it too.
Frankly, I an only see using a bank that does not pay your ATM fees if you lived in a small town with a local bank you wanted to support.
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USAA does as well.
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I have not paid an ATM fee in years. My bank gives me free withdraws from three different nationwide ATM networks. People need to better comparison shopping.
Who pays these fees anyway? (Score:2)
To be honest, I noted LONG ago that "withdrawing cash from out-of-network ATMs likely has a fairly big cost" and tried to avoid it. I never kept up with exactly what those fees were, after that. I simply learned to plan ahead better. If I need cash, I tend to take it out from my own bank or credit union and if I need it broken up into smaller bills? I try to spend it someplace that has to give me cash back on the purchase.
Last I checked though, most big credit unions are part of a cooperative network so yo
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Fuck having to hunt around for the "right" ATM.
I withdraw from any ATM I want, including overseas ATMs. My bank (USAA) reimburses the fee.
of course, banks are making record profits (Score:3)
Re: of course, banks are making record profits (Score:2)
Right, banks never took advantage of customers before January whatever, 2025, when Orange Man took over the government! /SMH
Out of Network? Suckers. (Score:2)
I belong to a credit union. Virtually all credit unions are apparently now on the co-op network, so I can go to any other CU's ATM for free.
In order to keep some cash on me without even doing that, I press the button for cash when I shop for groceries, which I still do in person because I will not tolerate substitutes. I also have a pantry and a freezer, so I can be like that. The grocery store doesn't charge me a fee since they're already running my card. They also don't let me have much cash at once, but
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Exactly. I've been using the grocery store as my ATM since the early 90s especially when I lived apartment life. "Got any rolls of quarters available?" I don't do grocery as much for cash since credit cards are widely accepted. Take the rewards. Fee free credit union ATMs are all around me but I probably replenish cash about every 2 - 3 months. I keep a little handy but rarely needed.
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The grocery store doesn't charge me a fee since they're already running my card.
In my part of the United States, both Kroger and Dollar Tree impose a surcharge for cash back on a debit transaction. Walmart still does not.
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Kroger does? Funny, Safeway doesn't. Bet I know which way that would have gone if they had merged.
Grocery Outlet doesn't charge me for cash either, and that's where I usually shop.
If only... (Score:2)
If only there were a way to avoid paying out of network ATM fees!
These kids today, they feel entitled to free/low cost access to magic money spitting machines everywhere on the planet AND they want the bank to pay them for the privledge of holding their money securely, in federally-protected bank accounts. And then when they want to borrow money they get upset at the high interest rates charged to cover paying for all the services their depositors demand!
Hows a poor banker supposed to make a buck?! LOL
ATM (Score:2)
I don't think I've ever used an ATM ("cash machine") in my country (UK) that has had a fee, ever.
You usually only see it on the mobile machines in shops and tourist attractions, and they're often really dodgy looking and in places I wouldn't want to be taking out a large sum of money. But universally a few hundred yards down the road, there's a free one attached to a bank somewhere.
Why would you pay to get your own money?
(That said, I've been effectively cashless for 25 years, so it's a non-issue, but when
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Because they just charge the original bank for the costs and thus all users can use all banks without fee.
Same way credit cards work.
The bigger question is: Why do you think it's normal to pay a bank to obtain access to your own money?
I can use pretty much any bank I like and the ATM will let me withdraw money from my account for free.
We even have an organisation that banks sign up to to make sure it all works, including things like changing your PIN at any ATM etc.
It's called Link. https://www.link.co.uk [link.co.uk]
Promoter of cash here (Score:1)
Re:Don't use cash. (Score:5, Insightful)
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Sounds like advice a mutter or pickpocket would give.
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And this from low UID.
Having no cash gives the govt ultimate control over non personing you and making you subject to global IT systems always working.
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There's multiple options for money transfers if any one system goes down. That said, have you seen how many businesses can stay in operation if the internet is down lately? All the major stores shut down.
Stolen by type of payment is out of proportion (Score:1)
Sounds like advice a mutter or pickpocket would give.
Umm. In 1992 3% of of adults had cash stolen each year around then. To continue on the next page and quote page 207 of The Power of Cash book which came out this year the latest date was very recent for the following about eight percent of debit cards and 10% of credit cards experience theft each year for the latest numbers. So yes it happens with both but is vastly more prevalent in both the amount of dollars stolen and percentage of people stolen from in a given year for non-cash then cash ever was. Plus
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You might need cash in an emergency.
Personal checks are still a thing. At least in my neck of the woods, the grocery stores still take them.
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And when they stop taking personal checks, maybe the lines will move a little bit faster.
All I use personal checks for these days are to pay for services which charge a transaction fee when you use a credit card. My thinking is: If they don't take the CC without an additional fee, I'll write a check so they can waste their own time scanning it in on their phone, or taking it to the bank. Inconvenience me, and I'll inconvenience you.
Now, what would really be nice is an instant payment system similar to what
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I have maybe 15 credit cards.
I do not have any debit cards. Nor do I want one.
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They're difficult to distinguish. I have only debit cards, but they're VISA and MasterCard, and I always run them as credit in order to get the rewards that come with that, so I may as well call them credit cards. The only differences are I can't spend more money than I have and it comes out of my accounts automatically instead of in a monthly bill.
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I always carry a $100 emergency cash with me, on top of whatever cash I happen to already have in my wallet.
I have $100 emergency cash in my car too.
I have about $10,000 in U.S. currency at home, in addition to a few hundred dollars in Canadian currency, about $400 in British pounds, about 800 euros and $100 or so in rubles.
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No what's sadistic is the guys setting on the side of the road selling shit that will only take cash cuz of the 2-3% the credit card companies charge.
There generally to stupid to raise there price by 4% to handle it over there phone.
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Higher prices deter business. Now their prices will be more expensive relative to major chain locations as those are able to negotiate far lower fees for card charges
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Best to get a smaller sale than no sale 99% of the time when your setting on the side of the road begging for money.
Only an idiot would refuse money over 3%
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And yet these operations stay in business. Turns out plenty of people still carry cash and like saving a buck.
In other words, if their actions were as stupid as you're making out they'd be out of business.
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There generally to stupid to raise there price by 4% to handle it over there phone.
They are?
A $1 transaction will cost them 23-35% on a credit card vs cash. There's a $0.20-.30 per transaction fee in addition to the 3-5% rate. Small sellers don't get a 2% rate, and not many will get 3%. Many businesses making small dollar transactions do much better refusing cards and missing the transactions of the people who refuse to carry cash ever. Those same people would refuse to pay an extra 35% for using a card, and their cash customers don't need to be overcharged to compensate.
Re: Don't use cash. (Score:2)
If you accept cards, you cant refuse a purchase because it is too small. Stores can discourage, but hey cant refuse small purchases on credit cards in many states.
I once saw someone buy a postage stamp (55 cents stamp) with a credit card... the owner, a friend, told me it would almost be cheaper to have just given them the stamp for free. He paid like, 45 cents for tge stamp to the post office, then there was the transaction fee plus the percentage - i think he lost about 20 cents on the transaction, all to
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A lot of places, especially small places, accept only cash because it untraceable income they can not report and not pay taxes on.
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I'm sure any small business' you shop at would prefer you use cash. They get charged out the ass whenever you use your card.
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I use cash at 1) small family-owned businesses because it saves them card fees and therefore helps keep the prices low; 2) large stores so they can't track me.
Following the same rationale, I don't use cash at the clinic because they obviously track me anyway and I don't really want to save them a penny in card fees.
Re: Don't use cash. (Score:2, Interesting)
at the clinic
Do tell, which STD, are they treating you for at "the clinic?" What addiction are you struggling with? How bad are your kidneys?
Re: Don't use cash. (Score:2)
Hate to break it to you, but cash in any volume isnâ(TM)t free. It might be free at the time it is received or point BUT â¦
Buy a safe? Arrange a secure delivery or pickup? Go to the bank with cash to make bill payments? Evaporation due to theft/fraud/counterfeiting? All costs of cash.
Money costs. Not having money costs more. No money at all costs most.
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Yeah, who doesn't like being tracked for every fucking thing they do in life?
If you use a smartphone, that ship has sailed. The marketers already know where you are and what you're thinking about buying before you even buy it.
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Yeah, who doesn't like being tracked for every fucking thing they do in life?
If you use a smartphone, that ship has sailed. The marketers already know where you are and what you're thinking about buying before you even buy it.
You can leave your smartphone at home.
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If you use a smartphone, that ship has sailed. The marketers already know where you are
Can't you de-activate localization when you don't need it? Your operator can still triangulate your position through cell towers but that's much less accurate.
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Can't you de-activate localization when you don't need it? Your operator can still triangulate your position through cell towers but that's much less accurate.
Well, if you're using an Android phone you basically have to trust that Google isn't using their own OS telemetry for marketing purposes, and since they're primarily an advertising company... you do the math.
I mean it's certainly possible to avoid a lot of this tracking if it really bothers you, but in the end you just pretty much end up inconvenienced.
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If you use a smartphone, that ship has sailed. The marketers already know where you are and what you're thinking about buying before you even buy it.
Sort of. If your using cash how complete is that marketing when sometimes you buy for others?
Other things to throw off marketing is combined into one transaction or split a bill? Or shopped with friends or family at the same time? If you pay with cash it can be up to very hard to determine just based on having phones on which one you who made the purchase. Or walked up the street and used said friends or family loyalty card or phone number? Marketers don't have disclosures in most cases on their own li
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Re: Privacy (Score:1)
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I am. (Score:4, Interesting)
Who's even using cash anymore?
I use cash at the barber I go to as well as some other small business' I use so they don't lose the several percentage points their card service charges them. One Banh mi shop I go to cash is the only way to pay. I also use it at weed dispensaries as they typically pass on the crazy high fees their instate card service charges for using their service. I also always have cash on hand for tips and just odd scenarios where any form of electronic transfer isnt convenient. I also occasionally have to bail friends out of random scenarios who have stopped carrying cash.
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Several of the businesses I frequent have started offering a "cash" price and a "credit/debit" price... with the latter being 1.03% of the former.
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Several of the businesses I frequent have started offering a "cash" price and a "credit/debit" price... with the latter being 1.03% of the former.
At 1%, you'd still come out ahead with most cashback credit cards. Where I live, the only places offering separate cash and credit prices are sketchy gas stations, and here's the crazy thing - even the cash price is usually a few cents per gallon higher than the bigger name stations like Wawa.
Plus, since I'm down to just one ICE vehicle as it is, I hate buying gas. When I have to deal with it, I'm going to whoever is the cheapest and that's usually the gas station with the goose.
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That was a total MATH FAIL on my part... it should've been 103%.
Re: I am. (Score:1)
No. It should have been 3% - or do they charge a 103% fee?
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Since I was referring to the total prices, I think 103% would be correct - the cash price plus a 3% markup .
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Here in the Puget Sound area pretty much all the gas stations of every flavor, large or small, mega-corporation owned or independent, charge more for credit unless you're using their gas card.
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In both the US and Canada, this sort of non-discrimination rule was thrown out a few years ago, and rightly so. With fancy credit card fees being over 3%, it makes sense to not force other consumers and businesses to subsidize the users of those expensive credit cards. Business owners have long complained about these high fees that credit card companies expected the business owners would simply eat. So now many business can and do charge extra for credit cards.
In Canada, many people still use cash, but f
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My CU offers a bit of reimbursement, which I don't use.
Fidelity, however, has "all fees reimbursed" for a number of accounts.
Then again, you're not likely to have a cash account there if you don't have significant other assets with them.
Re:Makes sense (Score:4, Interesting)
Who's even using cash anymore?
I do. I pay for cash when I fill up my car. Don't have to worry about card skimming. When I go to yard sales, flea markets, or famers markets. When I'm buying something insignificant and it's faster to pay with cash than go through the process of using a card. Of late, when the lottery was big, I always use cash.
Just because you're a slave to being tracked doesn't mean everyone else is.
Re:Makes sense (Score:4, Interesting)
I pay for cash when I fill up my car. Don't have to worry about card skimming.
You inconvenience yourself by having to stand on line and pay, for something that is the credit card company's problem if it happens? And somehow in your twisted logic, I'm the one doing it wrong by just swiping my card. Wow.
When I'm buying something insignificant and it's faster to pay with cash than go through the process of using a card.
Yeah, I see people doing the same shit at the Walmart self checkout, feeding dollar bills into the machine like it's a digital cookie monster. Nom nom nom. Meanwhile, I scan the QR code, get my receipt on the app and am walking towards the door while they're still trying to get that last creased dollar to get slurped down.
Never thought I'd see the day where being a luddite on a tech site was some kind of twisted badge of honor.
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I pay for cash when I fill up my car. Don't have to worry about card skimming.
You inconvenience yourself by having to stand on line and pay, for something that is the credit card company's problem if it happens? And somehow in your twisted logic, I'm the one doing it wrong by just swiping my card. Wow.
When I'm buying something insignificant and it's faster to pay with cash than go through the process of using a card.
Yeah, I see people doing the same shit at the Walmart self checkout, feeding dollar bills into the machine like it's a digital cookie monster. Nom nom nom. Meanwhile, I scan the QR code, get my receipt on the app and am walking towards the door while they're still trying to get that last creased dollar to get slurped down.
Never thought I'd see the day where being a luddite on a tech site was some kind of twisted badge of honor.
Master Bank is my friend, he'd never hurts us.
Is the most pathetic thing I've ever read.
The reason banks want to kill cash is that cash represents the cheapest possible way to do business and once cash is gone they can ramp up the interchange fees and you'll just have to suck it up like the sad supplicant you are.
Yes, you are paying for the privilege of spending your own money when paying with a card. Anywhere from 0.75-6% of the purchase price, plus a few other nice fees... "B-B-B-B-B-B-But Master
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The reason banks want to kill cash is that cash represents the cheapest possible way to do business
I spent some time working on a cash management system for a grocery store chain. It treated cash as inventory so the stores could track movement between registers and back rooms, and could help automate the interaction with the banks to deliver cash to the bank and purchase cash from the banks. Between what retailers euphemistically call "shrinkage" (i.e. theft), the fees paid to the bank for pickup and delivery, the cost of management overhead to try to minimize shrinkage and the opportunity cost of havi
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Never thought I'd see the day where being a luddite on a tech site was some kind of twisted badge of honor.
Ummm, not wanting MasterCard or Visa to have a list of everything I bought is considered being a luddite? LOL.Whatever dude.
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Just because you're a slave to being tracked doesn't mean everyone else is.
Just wait until their insurance costs go up because their bank sees too many McDonalds transactions.
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Just because you're a slave to being tracked doesn't mean everyone else is.
Just wait until their insurance costs go up because their bank sees too many McDonalds transactions.
Exactly. Some might not see it is bad on tracking because your near or if lucky have all your transactions approved - and yes you do have to get an approval code for every traction. It is also other stuff on prices you get on stuff like insurance that you might not correlate.
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I use a credit card at the pump. I don't worry about skimming either.
The nice thing is that I can avoid having to go inside the store and waiting in line.
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Well, financial networks do go offline from time to time. There are many businesses I've seen that had to put "CASH ONLY" signs because their machine went down.
One business simply couldn't get their machine to connect to the network - no matter what they did, the machine refused to make a connection. Another business got a replacement terminal but it wasn't properly provisioned so it wouldn't start up properly.
And sometimes, the entire network goes down - usually for a few hours.
It never hurts to have cash
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There are many businesses I've seen that had to put "CASH ONLY" signs because their machine went down.
The last time I encountered a "Cash Only" sign, it was at the local Subway, because yes, their payment processor had gone down. TBH, it just made me re-evaluate how badly I actually wanted to chow down on some overprocessed deli meats and I just grabbed dinner elsewhere.
Something the "you must have cash!" doomsayers seem to keep missing is that, at least as far as I've seen, there are absolutely no DCFC stations that take cash. So, literally everyone who owns an EV is committed to a cashless future, as fa
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Something the "you must have cash!" doomsayers seem to keep missing is that, at least as far as I've seen, there are absolutely no DCFC stations that take cash. So, literally everyone who owns an EV is committed to a cashless future, as far as that aspect of their transportation goes. But something tells me a lot of these folks wouldn't be caught dead in an EV, either.
Actually for all the talk about used EVs pricing poor people out of old "beater" cars in the future, the need for a credit card to fuel up anywhere but home is probably just as significant.
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Actually for all the talk about used EVs pricing poor people out of old "beater" cars in the future, the need for a credit card to fuel up anywhere but home is probably just as significant.
I'm imagining that most of these folks will just plug in anywhere there's an available outlet. I've actually seen someone doing that with a Tesla at the local Chick-Fil-A, they had a L1 charger hooked up to an outlet which I believe is used during the holidays to power some of the restaurant's outdoor Christmas lights. Honestly, I'd have figured someone who owns a Tesla wouldn't need to mooch free juice at a Chick-Fil-A, but we're living in strange times.
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I'm imagining that most of these folks will just plug in anywhere there's an available outlet. I've actually seen someone doing that with a Tesla at the local Chick-Fil-A
I'm in Canada so there are lots of outlets around for block heaters, which a lot of new vehicles don't need anymore, but I think they are already on to that as most of them have timers or current limiters.
I'd have figured someone who owns a Tesla wouldn't need to mooch free juice at a Chick-Fil-A, but we're living in strange times.
Maybe it was the manager. Not that that diminishes your point
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I can think of three local restaurants right off the top of my head that are "cash only".
No cash, no dine.
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I don't know. I don't go to them because they are cash only.
In each case, I went there, saw the sign on the door that they are cash only, and left.
Use it or loose it (Score:1)
Re:Makes sense (Score:4, Interesting)
Who's even using cash anymore?
A better question might be - "who uses ATMs anymore?"
I don't use a lot of cash; but, if I want some to carry around, I just get it at the supermarket. Most of the POS devices I see nowadays ask if you want cash back - even at the self-check.
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Re:Makes sense (Score:5, Funny)
... personally I find cash incontinent...
If your cash is incontinent, you need to find a better source of cash. Seriously.
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I don't know about incontinent cash, but there have been times in my life when my wallet could be described as incontinent... it couldn't keep money inside, no matter how much I wanted it to...
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Well, I guess that's better than a wallet with premature cash ejection. Nothing is worse than reaching into your wallet to get cash to pay for something, only to find you already blew your wad.
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UK supermarkets have stopped doing cashback, probably because nobody pays cash any more.
The benefit to them of offering cashback was that it was cheaper than taking the money from the till to the bank. But now they don't have any of that.
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I just get it at the supermarket
LOL. I just posted this (about how supermarkets find managing cash painful): https://news.slashdot.org/comm... [slashdot.org]
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Plenty of merchants only accept cash.
Other kinds of purchases don't let you use a credit card: lottery tickets, casino craps table, etc.
Other kinds of purchases, cash is the natural choice - such as tips for baggage handling, drivers, and similar.
I don't have a debit card. Nor do I want one.
My bank reimburses ATM fees, so I have no disincentive to using them. I do use an ATM once in a while, usually when at the casino or overseas somewhere traveling.
I like cash. Cash likes me! I prefer using a credit card,
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Gambling, globetrotting to places where people carry your luggage and chauffeur you around? I'd venture a guess anyone leading that sort of lifestyle probably isn't overly concerned with slightly high ATM fees.
Honestly, I'm a bit more convinced by the guy who said he gets cash to buy his weed. That's pain the average Joe is gonna feel in his wallet.
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Gambling, globetrotting to places where people carry your luggage and chauffeur you around? I'd venture a guess anyone leading that sort of lifestyle probably isn't overly concerned with slightly high ATM fees.
I am not, because my bank reimburses ATM fees.
Honestly, I'm a bit more convinced by the guy who said he gets cash to buy his weed.
Why? If he is willing to piss away money BUYING DRUGS, what's a few dollars for ATM fees?
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Who's even using cash anymore?
Even in the before days, who paid ATM fees? Sheesh, if I needed cash, I would just buy a candy bar at Safeway and get $60 back. I don't think I'd go to an ATM as often as once a year.
The pandemic changed everything. Now I got to Safeway for cash about twice a year.
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My dog's veterinarian charges 5% for credit card payments. When I take my dog in, I make sure I have a cheque book with me.
Yes, I realise that vendors are not supposed to add on charges for credit card purchases. But they do.
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In the UK, *every one*, including street traders, accepts Apple Pay and Google Pay. I don't even take cash with me when I leave the house now.
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Dispensaries can take credit card but they have to hand all of those records over to the FBI for there database in case they want to go after you for some reason so they tell there sellers to say they can't or it's to expensive.
The reason they have a debit machine in the sell room is to make it harder to track your purchase.
Best to get cash from some other machine or the bank and then go to get your weed.
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Why does this surprise you?
Because electronic payment schemes (ignoring that blockchain-based stuff for the moment) generally have some form of dispute process, and there's a reason they're called "junk" yards. Conducting business in cash only means that the "All Sales Final" policy actually has teeth.