How to Use Your Netspend Card Without Paying ATM Fees

automated teller machine
automated teller machine

Have you ever found yourself in the following predicament? You are in desperate need of cash, but the fees at the ATM are prohibitively expensive. According to MagnifyMoney, the average cost associated with making a withdrawal in the United States ranges from $1 to $3.50.

International transactions may cost more than $5 or between 1% and 3% of the total amount being transacted. That’s a large portion of the money you worked so hard to obtain, and it’s gone. It is cumulative over time.

If you withdraw cash from an ATM once a week at the standard price of $2.25, you will throw away $117 over a year. What else could you have purchased if you had more cash on hand? I’m sure you could have come up with something more entertaining and useful to do with your time than to pay a charge to access the monies in your bank account.

Don’t even get me started on the ridiculously high fees ATMs at events and entertainment venues charge their customers. I came up with one that was charging $6.25 for it!

There must be at least one viable option to avoid paying those preposterous costs.

You can take a few different routes to obtain the cash you require without incurring any unnecessary ATM fees. Though some of them might be considered inventive, most of them are pretty straightforward. You will have been able to save a significant amount of money by doing some research and being resourceful.

ATM
ATM

Use a MetaBank ATM

Your card is issued and managed by MetaBank, the financial institution that you have an account with. The business operates several automated teller machine sites, each of which may be located through the company’s user-friendly app. You know, the email address that you’re currently employing for your account in any case.

Not in the neighborhood of a MetaBank ATM? You can also make transactions at no additional cost at any ATM in the country with the Privileged Status emblem. When it comes to providing for their consumers, MetaBank goes above and above, ensuring that their money goes as far as possible.

bank cards and money
bank cards and money

Locate fee-free ATM Networks

A fantastic list of fee-free ATM networks worldwide may be found on Clark.com. Several excellent choices are available, including Allpoint, MoneyPass, CO-OP Financial Services, and Alliance. It’s possible that your beloved neighborhood Dunkin’ Donuts, as well as pharmacies, grocery stores, convenience stores, wholesale clubs, and even grocery stores, have a spot where you can acquire cash without paying any annoying fees.

Except for Plus Alliance, each of these networks has a location tool that can be accessed online, and they all have apps that are compatible with both Apple and Android phones. The following is a list of locations where you might be able to locate an ATM of that kind. There is most likely one located quite near where you are. Are you going to be traveling overseas? Additionally, Allpoint can help with this matter.

Allpoint

  • Circle K
  • CVS Pharmacy
  • Kroger
  • Safeway
  • Speedway
  • Walgreens
  • Winn-Dixie

MoneyPass

  • 7/11 convenience stores
  • select credit unions
  • select local banks

CO-OP Financial Services

  • Costco Wholesale
  • Circle K
  • Dunkin’ Donuts
  • Publix
  • Rite-Aid
  • select credit unions

Plus Alliance

  • Bi-Lo
  • Costco Wholesale
  • CVS Pharmacy
  • Get Go
  • Target
  • Walgreens
  • Winn-Dixie
banks
banks

Over-the-counter Transactions at a Local Bank

Although most banks charge a fee to non-customers who use their automated teller machines (ATMs), many of these banks do not charge a fee to customers who use the teller window to withdraw cash using another institution’s debit card. Because they want to increase their customer base, they might provide this service free as a gesture of goodwill to demonstrate how well they take care of existing clients.

Having said that, you should never enter into a trade without first inquiring about it, just to be safe. In addition, they may set a cap on the amount of money that can be withdrawn using a debit card not issued by their financial institution. Even so, it won’t hurt to pick up the phone and inquire around.

Ask for Cashback When Purchasing Goods or Services

Check to see whether you may use your credit card as a debit card, choose the cashback option, and enter your PIN if you are already at your favorite store making a purchase there. When you purchase from them, several different retailers, including grocery stores, petrol stations, Walmart, and a few others, will let you obtain cash from them.

Most of these have a cap on the total amount of money that can be withdrawn in a single transaction, such as a $40 maximum at any given moment. If you need more cash than they are willing to give you, you will need to split up your purchases into many transactions to receive the total amount of cash you require.

In the past, to complete the task, I had to make three different transactions: purchasing a pack of gum, a bag of chips, and a beverage. The clerk at the register, the person in line behind me in line, and I had a lot of fun talking about how brilliant this concept was. Regardless, I was going to go ahead and make the purchases. My credit card was not assessed for needless penalties, and I was left with an exciting tale.

Use the Buddy System

Do you know someone who possesses cash and who also has a Netspend account? Establish a business relationship with your close friend. You make a quick wire transfer to your good friend’s account, and then she hands over the cash to you. It’s a simple method to make Netspend feel more like a community to those who use it.

The buddy system can also be used with a friend with an account at a local bank. This is another option to use the buddy system. It operates in the same manner as the prior transaction; however, you will be sending money to their account rather than transferring monies between accounts on Netspend. They accompany you to the ATM and remove the funds that you require at that time. Simple and uncomplicated.

To summarize, withdrawing the cash you require from your Netspend card is much easier than you imagined without incurring additional costs for using an ATM. It is recommended that you start by locating the MetaBank ATM closest to you; however, this is not the only alternative, even though this would be the most practical solution. The proliferation of ATMs that do not charge a fee is a source of increased competition for local banks, which may have been the only available financial institutions in the area for several decades. As a direct result, more banks are cutting the costs associated with using their ATMs.

Both regional and national retailers are capitalizing on this trend to lure customers into their stores more frequently. A trusted companion will, without fail, come through for you in a time of need. Because you are familiar with the process, withdrawing the money you require from your account will not present any difficulties for you.

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