Thank you ATM. . Fer allowing, me to Than H; y_ g_ y, fees-. buy my awn money.. ATM fees are used to cover the cost of maintaining the ATM. California a few years back passed laws putting caps on ATM fees and that led to the machines disapp


What do you think? Give us your opinion. Anonymous comments allowed.
#2 - anon (10/21/2013) [-]
They have ATM fees in the US?
As in... you pay for withdrawal of your OWN money?
#4 to #2 - tender (10/21/2013) [-]
Its not fees for you money, its the ATM company it's self.
I use bank of america, so lets say i want to withdrawl 20$ from a non Bank ATM
The ATM its self charges me $3 just to use the machine, And Bank of America is ******* greedy so they charge me an extra $2.50 because i didnt use a Bank of America ATM. ******* greed man.
User avatar #11 to #2 - iphoneguy (10/21/2013) [-]
#16 to #11 - anon (10/21/2013) [-]
The Netherlands, if we use another bank's ATM we just don't have the option to check our balance, that's it...
#34 to #2 - anon (10/21/2013) [-]
That's how they pay for those, dummy.
User avatar #65 to #2 - supermegaultra (10/21/2013) [-]
I only get charged for using atms that are not from my bank.
e.g. US bank account withdrawing from a Banner Bank Atm..
User avatar #82 to #2 - bossguycumsplash ONLINE (10/22/2013) [-]
Some do.
User avatar #96 to #2 - lynchdude (10/22/2013) [-]
only if the atm doesn't belong to your bank. and I've been to Greece and the UK and they had fees there too
User avatar #97 to #2 - derein (10/22/2013) [-]
From my experience, it's only when you use an ATM from a bank different from the one you use that you get charged a fee.
#116 to #2 - lolollo (10/22/2013) [-]
When you stick your money in a certain bank, you're essentially making an agreement with the entire chain of banks that they'll have your money when you ask for it, so long as they get to use the physical representation of your money (the stuff that physically is money) to do whatever banks do with money.

The list goes on...

So when you walk up to a bank from the same chain of banks you made this agreement with, you don't get charged because you're essentially asking for the same physical dollars you gave to them in the first place. Like when you let your friend borrow a game, and he actually gives it back when you ask for it, totally going against the archetype of asshole you mistook him for.

But when you walk up to a totally different bank, you never made that agreement with them. They never "physically" received your money, so any money they'd physically give you would have to be taken out of a pool of other people's money. They then have to go to your bank and say "Hey, this asshole asked for some of his money from us, so you need to reimburse the funds he took." This is typically considered a "colossal pain in the ass" so they ask for extra money to compensate. This is like going up to a different friend, who didn't borrow your game, and saying "Hey, I need your copy of *game*" where he then needs to go either give you his copy of the game, and get the copy you gave the original friend to use for himself, or go to the original friend first and get your game for you. This is also typically considered a "colossal pain in the ass" so even if he'd be willing to do it, you're going to "totally owe [him] one!"

None of this actually, physically happens, it's just the symbolism of what happens. The extra charge is the fee associated with wasting the time of a bank you've never officially done business with. A bank who's totally cool with you wasting it's long as you have money.
User avatar #27 to #2 - threeeighteen (10/21/2013) [-]
Australia is like that too.
#30 to #27 - Mesmus (10/21/2013) [-]
Its been like this for a few years now
Its been like this for a few years now
#53 to #2 - lionti (10/21/2013) [-]
in Australia you have to pay $2.50 if you use an ATM that isn't assigned to your personal bank, if you use your personal bank then you can withdraw for free. Other wise its $2.50...$2 ******* 50
#3 to #2 - ayeayeaidan (10/21/2013) [-]
yep. They have some in Britain as well, it sucks
User avatar #13 to #2 - defender (10/21/2013) [-]
If you use your banks ATM then no fees but use others then it's about 2 to 3 dollar fee
User avatar #17 to #13 - kaitora (10/21/2013) [-]
In my country the atm's are provided by one government owned company, no fees what so ever.
User avatar #38 to #17 - pulluspardus (10/21/2013) [-]
the ATMs or the banks? , how much do they make by being part of the government? , must be crap working in a bank around your place.
User avatar #40 to #38 - kaitora (10/21/2013) [-]
ATM's, banks are a whole different thing.
User avatar #42 to #40 - pulluspardus (10/21/2013) [-]
I realize that, that's why I am asking, so the banks don't get anything out of it? sounds tough for bank workers.
User avatar #43 to #42 - kaitora (10/21/2013) [-]
They don't have to do anything for the atm's... how is that tough?
User avatar #44 to #43 - pulluspardus (10/21/2013) [-]
If i'd explained, its would be a rather long explanation so to keep it short the money circles through a lot of sources and it helps banks and bank workers, now that the government is handling that they get nothing out of it, the bank always get a bit of loyalty/sponsoring money out of the ATMs
#9 to #2 - MasterManiac (10/21/2013) [-]
Here in the UK there are 			*******		 fees and taxes for everything. Oh you getting paid? Income tax. So now you want to buy something with that money? VAT. What about sending someone money via online banking? Transfer fee. What's that? You died, and want to pass on your money and possessions which have been taxed already about 20 times onto someone else? Tough 			****		. Inheritance tax.   
I think this gif accurately represents my feelings about this.
Here in the UK there are ******* fees and taxes for everything. Oh you getting paid? Income tax. So now you want to buy something with that money? VAT. What about sending someone money via online banking? Transfer fee. What's that? You died, and want to pass on your money and possessions which have been taxed already about 20 times onto someone else? Tough **** . Inheritance tax.

I think this gif accurately represents my feelings about this.
#32 to #9 - Mesmus (10/21/2013) [-]
I'm sorry but that gif
I'm sorry but that gif
User avatar #84 to #32 - MysticTomatoe (10/22/2013) [-]
-"Carefully, carefully, carefully"
User avatar #12 to #9 - cheatmasterjunk (10/21/2013) [-]
I'm in Scotland, and it's pretty rare where I live. Small shops that have non-bank branded ATMs have charges (probably because it's expensive as **** to keep the ATM) but it's only about £1.50, and none of the ATMs at banks/supermarkets/town centres where I live charge for withdrawals.

Capitalism, woo \o/
#115 to #9 - intrepidy (10/22/2013) [-]
Strangely, you appear to have listed the same taxes as every other first world country excluding the tax havens has.

As a UK resident i never get charged to use an ATM. My bank or otherwise. HOWEVER i will get charged to take it out of a non-bank ATM.

You can get cashback at Asda for free.
User avatar #71 to #9 - alleksi ONLINE (10/21/2013) [-]
As a Finn (where taxation, as far as I know, is tougher than in the UK for example), I would much rather pay high taxes and get all the benefits that come with it (whether they benefit me or someone else), rather than live in *************** is going on in the USA
#74 to #71 - flyslasher (10/21/2013) [-]
You treat the USA as if it's the polar opposite of what it's like in Finland. It's not. The USA tries to find a nice balance between the two. Lot's of countries are trying to do that with taxing. Finland doesn't go the whole mile, but it's much more for taxing than the USA is, but it's a different economy, different people, different beliefs, etc.. etc... Don't be a cunt about it.
User avatar #75 to #74 - alleksi ONLINE (10/21/2013) [-]
oh I wasn't trying to be a cunt, I just can't understand why things like free healthcare and heavy taxation are so scary to some americans. it's one of those things that just doesn't click with me, you know. well that's cultural differences for you.
#114 to #75 - flyslasher (10/22/2013) [-]
Well excuse my insult. It was uncalled for =/
#70 to #9 - bann (10/21/2013) [-]
Not to mention you have to pay $200 USD to leave...TO LEAVE. via plane to the US anyways, I don't know how the rest works.
User avatar #41 to #9 - pulluspardus (10/21/2013) [-]
But hey , at least you can reclaim the VAT.
#14 to #9 - ffinfinity (10/21/2013) [-]
We have those things too in US, Idk about Inheritance Tax but I'm sure the lawyer gets paid too.
#21 to #14 - noschool (10/21/2013) [-]
the US has an inheritance tax.
#29 to #21 - ffinfinity (10/21/2013) [-]
yeah thats what I thought
User avatar #31 to #29 - vindictivenature (10/21/2013) [-]
Inheritance tax in the us is about 50% too I believe.
User avatar #47 to #31 - rieskimo (10/21/2013) [-]
I'm pretty sure that changes from state to state, if you're rich enough you can find a way around it and by you I mean your attorney/account.
#20 - Slicernicer (10/21/2013) [-]
ATM fees are used to cover the cost of maintaining the ATM.

California a few years back passed laws putting caps on ATM fees and that led to the machines disappearing because the companies couldn't gather enough revenue to maintain them all.
User avatar #93 to #20 - Redneckguy (10/22/2013) [-]
The atms in strip clubs and casinos must be really hard to maintain then...
User avatar #19 - callan (10/21/2013) [-]
You're paying for the "convenience" of not having to walk into the bank.
User avatar #22 to #19 - crazyhindu (10/21/2013) [-]
I think its more the "convenience" of using another banks atm or a non bank atm. you don't have fee's if you use your own banks atm
User avatar #24 to #22 - callan (10/21/2013) [-]
User avatar #25 to #24 - crazyhindu (10/21/2013) [-]
Hot damn that was fast.
User avatar #26 to #25 - callan (10/21/2013) [-]
I don't waste time when checking notifications.
#94 to #19 - hsawryt (10/22/2013) [-]
whats funny is you said basically the same thing as I love Justin Bieber. I'm his #1 fan. I love cock so bad. Oh god, please give it to me. but he got thumbed into oblivion. he was a dick about it though
#46 - kristovsky (10/21/2013) [-]
ATM fees? hm, never heard of it.
ATM fees? hm, never heard of it.
#86 to #46 - thasmackdown **User deleted account** (10/22/2013) [-]
Because your government agreed to fund them for you, it is likely somewhere in your taxes
User avatar #80 - trevcars (10/21/2013) [-]
I just use ATM's that my own bank provides and they don't charge me.
#81 to #80 - trevcars has deleted their comment [-]
User avatar #78 - severepwner (10/21/2013) [-]
If you prefer to hide thousands of dollars under your mattress, by all means.
User avatar #48 - leafonthewind (10/21/2013) [-]
they use ATM fees to pay the janitor for scraping all the dead meth head brains off the bottom
#39 - voltism (10/21/2013) [-]
Funny how my local bank can afford to have free atms and yet bank of america cannot
#1 - abject has deleted their comment [-]
#5 to #1 - tender (10/21/2013) [-]
Are you retarded? this was posted an hour before the on in the link you posted
#6 to #5 - abject has deleted their comment [-]
User avatar #7 to #1 - createdjustnow (10/21/2013) [-]
oh god no, someone reposted from you an hour after you posted this from somewhere else... or someone found it around the same time as you
#8 to #7 - abject has deleted their comment [-]
#105 - twofreegerbils (10/22/2013) [-]
This is how FJ thinks business works evidently:
Bank Employee Number 1: We are making money by loaning other people's money out, but people want an easier way to access their funds without having to drive to the bank..
B.E.#2: Maybe we should set up teller machines, so people can withdraw money from a wider variety of locations?
B.E.#1: Absolutely brilliant! But how will we recoup the cost of setting up all those machines and maintaining them?
B.E.#2: Oh, we make so much money already, we'll just set up hundreds of thousands of these machines for absolutely free!
B.E.#1: Hell the **** yeah! I can't believe I even wasted my time in business school!

ATM's are a convenience that you have to pay for. That's the way the world works, grow the **** up. The banks could just force you have to make a trip to the actual bank every time you want to withdraw cash from your account, but instead you get to do so in convenient locations. Don't like it? Go to the actual bank and make a withdrawal in person, and don't pay for the luxury of an ATM.
User avatar #104 - coolcalx (10/22/2013) [-]
as other people have mentioned, you only pay ATM fees if the ATM doesn't belong to your bank.

for example, I have an account with Regions, and it does not cost money for me to withdraw money from a Regions bank ATM.
#100 - anon (10/22/2013) [-]

Lol this **** is gay as **** , instead of looking at this stupid **** why dont you play dark souls. if you dont know what dark souls is, its this awesome game that is hard but it rewards you. It also has an amazing lore thats so awesome lol. If you do get it but dont like it then its probably because you're bad and you probably go back to ****** bad games that dont deserve their praise like skyrim lol.
User avatar #98 - awildniglet (10/22/2013) [-]
You pay a bank to hold your money too, you know
User avatar #88 - smokekusheveryday (10/22/2013) [-]
I have no atm fees
User avatar #87 - chickenfarting (10/22/2013) [-]
They also have atm fees in straya, not just in the us
#58 - TheExpertT (10/21/2013) [-]
Its the fact that you can conveniently go to almost any corner and access your money instead of having to drive all the way to the bank that holds your money. would you rather drive 20 miles to get to your bank or 2 miles to find an atm
User avatar #60 to #58 - slugnugget (10/21/2013) [-]
its a joke dude.
#113 to #60 - anon (10/22/2013) [-]
okay listen up here faggot
#63 to #60 - TheExpertT (10/21/2013) [-]
sadly its not, i hear people complain about this all the time.
User avatar #72 to #58 - iveseensomethings (10/21/2013) [-]
Not very convenient to have to pay for convenience.
User avatar #107 to #72 - twofreegerbils (10/22/2013) [-]
Are you ******* retarded? You pay for conveniences all the time. Since paying for conveniences makes them inconvenient, I suppose you walk to school rather than paying for the convenience of gasoline and a car?
User avatar #76 to #58 - tisjunkisdamnfunny (10/21/2013) [-]
thank you for explaining the purpose of an ATM
#111 to #76 - TheExpertT (10/22/2013) [-]
you very welcome, if you would like some more fun facts contact me at captainobvious@ You need to login to view this link
#36 - TurtleOnItsBack (10/21/2013) [-]
My old bank used to charge me $8 a month for not making a withdrawal in the past 30 days. I closed my account as soon as I found out.
User avatar #37 to #36 - pulluspardus (10/21/2013) [-]
That's how banks used to around my hometown, you'd better off just keeping your money in a dungeon at your house or something.
User avatar #18 - sirfisticuffs (10/21/2013) [-]
Mitt Romney was right.
#28 to #18 - noschool (10/21/2013) [-]
about what? we've hat ATM fees since the 1990's.
#35 to #18 - scantoz (10/21/2013) [-]
The fee's only apply when using another banks or a non bank atm, they dont charge you for using your own banks atm. Thats retarded.
#15 - anon Comment deleted by defender [-]
User avatar #23 to #15 - crazyhindu (10/21/2013) [-]
Naw he's a faggot
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