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You get charged six ways to Sunday when you use other banks’ ATMs: the machine’s bank charges you, your bank charges you. Instead of paying these ungodly usage fees, go to a supermarket and purchase something cheap, using your debit card. When the cashier asks whether you’d like cash back, simply request the amount (usually up to $80 or $100) you would have otherwise withdrawn from the ATM. Your usage fee should cost nothing more than a pack of Mints.

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