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Nickels and Dimes: A Starbucks Latte, Now Cheaper Than An ATM Visit

Executives at Chase (JPM) must be reading The Onion.

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“$2 fee if Chase Rewards debit card is placed next to a debit card from a competing bank.” The Onion’s recent jab at fees seems a little less funny (and more prescient) this week, with the bank’s reveal that it’s considering jacking up the $3 noncustomer withdrawal fees at its ATMs.

Chase ATM customers in Illinois face $5 fees, while Texas locations are charging $4. PNC and TD Bank are also toying with higher ATM fees.

To put that jump into perspective, the average noncustomer withdrawal fee in 2010 was $2.33, according to Bankrate.com, with most big banks charging $3. And that’s up 5% from 2009.

But it’s also only half the equation.

Lest you forget that you’re two-timing your own bank, they tack on their own charge; last year, an average $1.41. All told, you’re spending at least $3.74 per visit, and likely even more.

ATM fees on both sides are meant to cover the cost of operating that machine and coordinating with another bank, plus a hefty measure thrown in for the convenience. This latest increase has a tinge of politicking to it, too, as banks protest the swipe fee limits of the Durbin Amendment. “It’s their way of sending a message to Capitol Hill,” says Dennis Moroney, a research director for Tower Group. “I don’t know how they came up with that $5. It seems excessive.”

Avoiding ATM fees has gotten easier, however, with free location-based apps from the banks themselves and other developers that help you find the nearest in-network machine for a free withdrawal. There’s also something to be said for getting cash back at store registers — at least there $3 gets you a magazine, or a few candy bars.

The sky-high ATM fees may not get pushed through, either.

Like airlines do with fare increases, banks often throw out new or higher fees, hoping their competitors will quickly follow suit and turn their test into widespread adoption. “If someone flinches, they pull it back,” Moroney says. Whether the flincher in this case will be Congress or unwilling consumers remains to be seen.

If it’s the latter, banks may have to resort to another suggestion from The Onion: “$1 for stopping in any TD branch location to warm up while out walking on a cold day.”

What’s your take — when is it worth it to pay an ATM fee?

Nickels and Dimes will keep tabs on new and rising fees and surcharges eating into your bottom line. Have one to share? Email kelli.grant@dowjones.com.

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    • By WebOsPublisher

      [ubuntu] UMTSMon – Globesurfer Icon 7.2 Absolute Beginners Section
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      [ubuntu] UMTSMon – Globesurfer Icon 7.2 – Ubuntu Forums
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      August 3rd, 2008
      #1
      Indizann
      First Cup of Ubuntu
      Join Date: Aug 2008
      Beans: 2
      UMTSMon – Globesurfer Icon 7.2
      I’m quite new to Linux/Ubuntu and i’m trying to get my Globesurfer Icon 7.2 usb modem to work with my laptop with Ubuntu 8.04
      I managed to compile Umtsmon, which detects the modem and even the network, but when trying to connect i keep receiving the same error:
      Using interface ppp0
      Connect: ppp0 <–> /dev/ttyUSB0
      LCP: timeout sending Config-Requests
      Connection terminated.
      Modem hangup
      The stick is from Belgian mobile phone operator Mobistar, with apn iew.be
      Indizann
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      August 4th, 2008
      #2
      Indizann
      First Cup of Ubuntu
      Join Date: Aug 2008
      Beans: 2
      Re: UMTSMon – Globesurfer Icon 7.2
      anyone
      Indizann
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      August 4th, 2008
      #3
      c2olen
      A Carafe of Ubuntu
      Join Date: Mar 2008
      Location: NL
      Beans: 85
      Ubuntu 8.04 Hardy Heron
      Re: UMTSMon – Globesurfer Icon 7.2
      I’ve got this running, but i dont use UMTSmon to start the dialup. It give’s me the same results you just posted.
      Instead I use a ppp dialscript which you can start using Gnome-PPP.
      You can also set up some udev rules to automatically initiate a dial in when you insert the UMTS device (either USB stick or Express Card).
      I’ll post my dial in scripts in a separate post. I am on another computer now, and do not like to retype it all.
      __________________
      Registered Linux user# 439554| Intrepid x86_64 on AMILO Si 2636 Core 2 Duo T7250 (4GB RAM) UMTS/3G. 64GB SSD|
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      August 4th, 2008
      #4
      c2olen
      A Carafe of Ubuntu
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      Ubuntu 8.04 Hardy Heron
      Re: UMTSMon – Globesurfer Icon 7.2
      Quote:
      Originally Posted by c2olen
      I’ll post my dial in scripts in a separate post. I am on another computer now, and do not like to retype it all.
      Here they are.
      Code:
      c2olen@okinawa:~$ cat /etc/ppp/peers/ppp0
      /dev/ttyUSB0
      #/dev/rfcomm0
      connect "/usr/sbin/chat -v -f /etc/chatscripts/ppp0"
      novj
      usepeerdns
      crtscts
      defaultroute
      debug
      nodeflate
      noccp
      noipdefault
      noaccomp
      115200
      user "<your-provider-goes-here>"
      persist
      and the chatscript
      Code:
      c2olen@okinawa:~$ cat /etc/chatscripts/ppp0
      ABORT ‘BUSY’
      ABORT ‘NO CARRIER’
      ABORT ‘ERROR’
      ” AT
      OK AT+CGATT=1
      OK AT+CGDCONT=1,"IP","internet"
      OK ATDT*99***1#c
      You might need to change some settings to fit your provider, but it should get you on your way.
      I’ve made this udev-rule to automatically start and stop PON on device connection and removal.
      You will probably need to change your vendor specific ID’s to match your device.
      Code:
      c2olen@okinawa:~$ cat /etc/udev/rules.d/50-globesurfer-icon.rules
      BUS=="usb", SYSFSidProduct=="1000", SYSFSidVendor=="05c6", RUN+="/usr/bin/icon_switch"
      BUS=="usb", SYSFSidProduct=="6701", SYSFSidVendor=="0af0", RUN+="/sbin/modprobe usbserial vendor=0x0af0 product=0×6701"
      KERNEL=="ttyUSB?", ACTION=="add", RUN+="/usr/bin/sudo -u c2olen /usr/bin/pon", SYMLINK+="modem"
      KERNEL=="ttyUSB?", ACTION=="remove", RUN+="/usr/bin/sudo /usr/bin/poff -a"
      __________________
      Registered Linux user# 439554| Intrepid x86_64 on AMILO Si 2636 Core 2 Duo T7250 (4GB RAM) UMTS/3G. 64GB SSD|
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    • By WebOsPublisher

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    • Well. There’s no way the US could maintain it’s maommth military if all those things went private for one.Also, privatized police and or fire departments are an obvious recipe for disaster.Without subsidies from the government from time to time, the airline and train systems would likely collapse. Even Ryan Air in Europe needs bailouts sometimes.Having no public schools would result in a completely unbalanced society where many children never attend school. Then militias grow, then civil war starts.So basically they don’t do it because it would be the end of the US. It can be easily seen in African tribal nations. They do not pay tax, therefore they do not create infrastructure, therefore they cannot defend themselves / maintain order, therefore it is chaos.EDIT: I bet most people agree with my above points, but people are too stubborn to admit taxes have a purpose and they just want to scream No taxes! and not have to think about the repercussions.

    • Aren’t we happy as bailed them out!

About Pay Dirt

  • Pay Dirt examines the millions of consumer decisions Americans make every day: What to buy, how much to pay, whether to rave or complain. Lead written by Quentin Fottrell, the blog examines these interactions, providing readers with news, insight and tips on shopping, spending, customer service, and companies that do right – and wrong – by their customers. Send items, questions and comments to quentin.fottrell@dowjones.com or tweet @SMPayDirt.

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