A couple years ago, I lived in New York for a while when I was doing a summer internship. While I was there, I decided not to open a bank account because it would take time, blah blah blah. So I just used those ATMs and ate the $3.00 charges ($1.50 from my bank, $1.50 from the ATM) each time. It was a revolting feeling but I didn’t think it was worth it to open a bank account just for a couple of months.
Now I feel dumb. I was just talking to my friend, who recently moved to New York in the same situation as I was: She’ll be there for a few months and didn’t want to open a bank account, but instead of just shrugging and saying “Damn that” she actually called her bank. She just asked them if they would waive the ATM fees while she was there. “No problem,” they said, and she’s going to save $100+ just for making a phone call.
I’ve written about how to negotiate out of bank fees before. But I didn’t even think of this!