SmartMoney Blogs

Pay Dirt
A daily look at what we buy, how we spend, and the companies that do right - and wrong - by their customers.

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

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

Getty Images

“$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, 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


We welcome thoughtful comments from readers. Please comply with our guidelines. Our blogs do not require the use of your real name.

Comments (4 of 4)

View all Comments »
    • By WebOsPublisher

      [ubuntu] UMTSMon – Globesurfer Icon 7.2 Absolute Beginners Section
      * vBulletin 3.8.7 CSS
      * Style: ‘Ubuntu’; Style ID: 114
      @import url(“clientscript/vbulletin_css/style-5228a768-00114.css”);
      [ubuntu] UMTSMon – Globesurfer Icon 7.2 – Ubuntu Forums
      Sign in using your Launchpad ID
      Ubuntu Forums
      > The Ubuntu Forum Community
      > Absolute Beginners Section
      [ubuntu] UMTSMon – Globesurfer Icon 7.2
      User Name
      Remember Me?
      FAQ –Community –Calendar –Forum Information
      Ubuntu Community
      Today’s Posts
      Problem logging in? Please click here for a workaround.
      Absolute Beginners Section The perfect place to post for your Ubuntu support if you are new to Linux.
      Community Links
      Pictures $ Albums
      Search Forums
      Show Threads
      Show Posts
      Tag Search
      Advanced Search
      Get All New Posts
      Last 15 Minutes
      Last 30 Minutes
      Last Hour
      2 Hours
      4 Hours
      8 Hours
      12 Hours
      1 Day
      2 Days
      Find All Your Threads
      Find All Your Posts
      Go to Page…
      Ubuntu Forums Information
      About Ubuntu Forums
      Ubuntu Forums Code of Conduct
      Forum FAQ
      Forums Council
      Who We Are
      Forum Council Agenda
      Forum Governance
      Ubuntu Community
      Ubuntu Website
      Ubuntu Code of Conduct
      Download Ubuntu
      About IRC
      Real Time Chat
      Other Ubuntu Support
      Launchpad Answers
      New Reply
      Thread Tools
      Display Modes
      August 3rd, 2008
      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
      View Public Profile
      Send a private message to Indizann
      Find More Posts by Indizann
      August 4th, 2008
      First Cup of Ubuntu
      Join Date: Aug 2008
      Beans: 2
      Re: UMTSMon – Globesurfer Icon 7.2
      View Public Profile
      Send a private message to Indizann
      Find More Posts by Indizann
      August 4th, 2008
      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|
      View Public Profile
      Send a private message to c2olen
      Visit c2olen’s homepage!
      Find More Posts by c2olen
      August 4th, 2008
      A Carafe of Ubuntu
      Join Date: Mar 2008
      Location: NL
      Beans: 85
      Ubuntu 8.04 Hardy Heron
      Re: UMTSMon – Globesurfer Icon 7.2
      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.
      c2olen@okinawa:~$ cat /etc/ppp/peers/ppp0
      connect "/usr/sbin/chat -v -f /etc/chatscripts/ppp0"
      user "<your-provider-goes-here>"
      and the chatscript
      c2olen@okinawa:~$ cat /etc/chatscripts/ppp0
      ABORT ‘BUSY’
      ” 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.
      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|
      View Public Profile
      Send a private message to c2olen
      Visit c2olen’s homepage!
      Find More Posts by c2olen
      New Reply
      Previous Thread
      Next Thread
      Thread Tools
      Show Printable Version
      Display Modes
      Linear Mode
      Switch to Hybrid Mode
      Switch to Threaded Mode
      Posting Rules
      You may not post new threads
      You may not post replies
      You may not post attachments
      You may not edit your posts
      BB code is On
      Smilies are On
      [IMG] code is On
      HTML code is Off
      Forum Rules
      Forum Jump
      User Control Panel
      Private Messages
      Who’s Online
      Search Forums
      Forums Home
      The Ubuntu Forum Community
      Absolute Beginners Section
      Ubuntu General Support
      General Help
      Installation $ Upgrades
      Desktop Environments
      Multimedia $ Video
      Networking $ Wireless
      Ubuntu Studio
      Gaming $ Leisure
      Ubuntu Loco Teams Forums
      Ubuntu Specialised Support
      Ubuntu +1 (Raring Ringtail)
      Security Discussions
      Server Platforms
      Ubuntu Cloud and Juju
      Development $ Programming
      Packaging and Compiling Programs
      Development CD/DVD Image Testing
      Ubuntu Brainstorm
      Ubuntu Dev Link Forum
      Programming Talk
      Repositories $ Backports
      Ubuntu Backports
      Bug Reports / Support
      Ubuntu Forums Development Archives
      Intrepid Ibex Testing and Discussion (CLOSED)
      Jaunty Jackalope Testing and Discussion (CLOSED)
      Karmic Koala Testing and Discussion (CLOSED)
      Lucid Lynx Testing and Discussion (CLOSED)
      Maverick Meerkat Testing and Discussion (CLOSED)
      Natty Narwhal Testing and Discussion (CLOSED)
      Oneiric Ocelot Testing and Discussion (CLOSED)
      Ubuntu +1 (Precise Pangolin)(Closed)
      Ubuntu +1 (Quantal Quetzal) (Closed)
      Ubuntu One
      Asus Ubuntu Support
      Dell Ubuntu Support
      System76 Support
      Ubuntu Application Development
      Ubuntu Translations
      Apple Users
      3rd Party Projects
      Full Circle Magazine
      Ubuntu Women
      Ubuntu Christian Edition
      Ubuntu Community Discussions
      The Community Cafe
      Recurring Discussions
      Community Cafe Games
      Community Market
      Mobile Technology Discussions
      Community Announcements $ News
      Ubuntu Weekly Newsletter
      Ubuntu Membership Applications
      Ubuntu Testimonials $ Experiences
      The Fridge Discussions
      Forum Council Agenda
      Forum Feedback $ Help
      Request a LoCo forum
      Resolution Centre
      Ubuntu Specialised Discussions
      Other OS/Distro Talk
      Assistive Technology $ Accessibility
      Art $ Design
      Education $ Science
      Community Wiki Discussions
      Tutorials $ Tips
      Outdated Tutorials $ Tips
      Ubuntu LoCo Team Forums
      Americas LoCo Teams
      US LoCo Teams
      Alabama Team – US
      Alaska Team – US
      Arizona Team – US
      Arkansas Team – US
      California Team – US
      Colorado Team – US
      Argentina Team
      Connecticut Team
      Florida Team – US
      Georgia Team – US
      Hawaii Team – US
      Colombia Team – Colombia
      Illinois Team
      Indiana – US
      Kansas Team – US
      Kentucky Team – US
      Louisiana Team – US
      Maine Team – US
      Maryland Team – US
      Massachusetts Team
      Michigan Team – US
      Minnesota Team – US
      Mississippi Team – US
      Missouri Team – US
      Montana Team – US
      Costa Rica Team
      Nevada Team – US
      New Hampshire Team – US
      New Jersey Team – US
      New Mexico Team – US
      New York – US
      Paraguay Team
      North Carolina Team – US
      Panama Team
      Ohio Team – US
      Ecuador Team
      Oklahoma Team – US
      Oregon Team – US
      Pennsylvania Team – US
      Venezuela Team
      Rhode Island Team – US
      South Carolina Team – US
      South Dakota Team – US
      Tennessee Team – US
      Utah Team – US
      Virginia Team – US
      Chile Team
      Instalaciуn y Actualizaciуn
      West Virginia Team – US
      Honduras Team
      Wisconsin Team
      Bolivia Team
      Washington DC Team – US
      El Salvador Team
      Northeastern Team – US
      Quebec Team
      Nebraska Team – US
      Texas Team – US
      Washington State Team – US
      Iowa Team – US
      Trinidad $ Tobago Team
      Peru Team
      Canada Team
      Centroamerica Team
      Idaho Team – US
      Uruguay Team
      Asia and Oceania LoCo Teams
      Myanmar Team
      Qatar Team
      Tamil Team – India
      Andhra Pradesh Team – India
      Philippine Team
      Bangalore Team
      Delhi Team
      Hong Kong Team
      Australia Team
      Bangladesh Team
      Europe, Middle East, and African (EMEA) LoCo Teams
      Kenyan Team – Kenya
      Za Team – South Africa
      Ireland Team – Ireland
      Kurdish Team – Kurdistan
      Catalan Team
      Tunisia Team
      Senegal Team
      Egypt Team
      Sudan Team
      Saudi Arabia Team
      Lebanon Team
      United Kingdom Team
      Cameroon Team
      Zimbabwe Team
      Georgia Team
      Switzerland Team
      Jordan Team
      Galician LoCo Team
      Wales Team
      Albania Team
      Libya Team
      Algerian Team
      Uganda Team
      Yemen Team
      Morocco Team
      Afghanistan Team
      Austria Team
      Namibia Team
      Other Forums $ Teams
      All times are GMT +1. The time now is 09:04 AM.
      Ubuntu Forums -
      Archive -
      The word of the day is … clicky! vBulletin ©2000 – 2012, Jelsoft Enterprises Ltd. Ubuntu Logo, Ubuntu and Canonical © Canonical Ltd. Tango Icons © Tango Desktop Project. bilberry

    • By WebOsPublisher

      IcoFX is a professional icon and cursor editor used to create icons with transparency for Windows XP,Vista and Macintosh
      IcoFX – The Professional Icon Editor
      function setIframe()
      var avIframe = document.getElementById(‘av_iframe’).src = ‘software_download.html’;
      The Professional Icon Editor
      The only tool you will need to edit icons and cursors
      SALE: 15% off, now only $59 $49.99

      About IcoFX
      IcoFX is an award winning professional icon and cursor editor. It is an all-in-one
      solution for icon creation, extraction and editing. It is designed to
      work with Windows XP, Windows Vista, Windows 7 and Macintosh icons supporting transparency.
      Create Windows icons up to 256×256 for Windows Vista/7 and Macintosh icons up to 1024×1024
      for Macintosh OSX 10.7 Lion.
      Create icons and cursors
      Create icons for Windows and Macintosh. Support for Windows Vista icons with PNG compression.
      Convert your Macintosh icons to Windows icons and vice versa.
      Support for static and animated cursors. Create a favicon for your website or blog.
      Batch process files
      You can easily work with multiple files using the batch processing capability of IcoFX.
      Create, convert, extract or export all your icons or cursors with just a few clicks.
      Adjustments and effects
      With more than 40 effects at your fingertips, there’s virtually no limit to the icons you can create.
      IcoFX features a collection of intuitive color correction tools. Using these tools you can fine-tune hue,
      saturation, and luminance, adjust color levels, brightness and contrast.
      Images with layers
      You can quickly create layer based images using IcoFX.
      It allows you to rearrange, blend layers and change their opacity. This gives you more control, and you can more easily change the image in the future.
      Import, export and extract
      You can easily convert your favorite images into icons or cursors, or icons into images.
      Supported image formats BMP, PNG, JPG, JPG2000, TIF and GIF.
      With IcoFX you can extract icons from other files, including Windows Vista, Windows 7 and Macintosh files.
      Resource editor
      IcoFX gives you the possibility to create icon libraries or change icons inside exe files.
      You can also create cursor libraries.
      Full assortment of tools
      IcoFX features a full blown image editor with many useful tools. You can use different brush sizes,
      shapes, hardness, even blending modes when painting.
      Soft selections
      With IcoFX’s collection of selection tools you can quickly and easily select any part of your images.
      You can then edit and apply special effects to portions of your image, remove unwanted objects
      or cut out objects from one image and paste into another. Using the QuickMask you can use the painting tools to refine your selections.
      See full feature list >>
      More >>
      Copyright © 2005-2012 IcoFX Software. All rights reserved.

    • 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 or tweet @SMPayDirt.