Find ways to get fee-free access to your money with these tips on avoiding ATM fees.

When it comes to reducing the fees you pay to your bank, ATM fees are among the most logical and research-intense. After all, ATM fees are rising, but banks are no longer required to post the ATM fee on the outside of their ATM. The bill eliminating the external fee notification passed in 2012. You will have to read the fine print on-screen to find out what the bank will charge you for using their machine. Reducing ATM fees is not as straightforward as avoiding overdraft fees. You need to have a strategy.

We touched on this topic briefly in the past in an article about avoiding ATM fees. The guide below offers more options for helping you to pay less for access to your money.

  1. Switch Banks

Your bank and all of it’s branches are free ATMs. You can use them as often as you like. Although, some account types may limit your ATM use. Even branches of your bank on the other side of the country have free ATMs. If you travel often and your bank is not national, then switching to a bank with branches all over the country can easily reduce the amount of ATM fees you pay each year. Likewise, you may find that a different local bank has more branches in the places you travel most, like near work or home.

  1. Find a Bank That Waives ATM Fees

Some banks waive a certain amount of ATM fees each month. For example, USAA Bank waives $15 dollars of fees each month. Other banks with a similar policy include Bank of America, Clear Sky and Century Bank Direct. Keep in mind, your bank may change their mind about waving fees at any time. If you are in the market for a new bank, it’s something to consider.

  1. Find a No-Fee ATM

Sometimes, ATMs do not charge a fee to withdraw money or your bank is a member of no-surcharge ATM network. Allpoint is an example of a no-fee network. As for other free ATMs, there are cellphone apps to find surcharge-free ATMs. Check your app store for one that can help you find free ATMs.

  1. Get Cash Back

When you make a purchase with your debit card, most stores offer a limited amount of cash back, which you get during checkout. These stores allow cash back in amounts, ranging from $10 to $200 dollars, although most stores limit cash back to about $60. That’s usually enough to get what you need in a pinch.

  1. Write a Check

While needing cash may seem the solution when a store does not take credit, there are really few situations where you absolutely must use cash. Find out if the store takes checks before you go hunting for an ATM.

  1. Get Cash Once

If you must use the ATM to get cash, take out as much cash as you will need in one transaction. Each transaction costs an average of $3 dollars. Take out enough cash to last you a few weeks, like $400 if your bank allows it, bringing down the ratio of fees paid to cash withdrawn.

  1. Go to Your Bank

To avoid ATM fees, you can simply use the machine at your bank or withdraw money using a teller. If you experience difficulties getting to the bank when its open, switch banks to one with more evening and weekend hours. You can also bank at the branch nearest your workplace and make a quick trip over during your lunch break.

Saving money on your banking fees is one way you can keep more of your hard-earned money. Keep to your strategy for the best results and money saved. Every ATM fee you save can go to something you want to spend it on