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redstringMar 16, 2011
Noooooo!
Closed AccountMar 17, 2011
Newsflash... if you aren't a customer of the bank... they will charge you a fee to remove money from another bank.
Hint: Plan ahead or use an ATM from your bank.
crashingechelonMar 17, 2011
Or you can be a member of a bank that pays the first 10 transactions for you
Closed AccountMar 17, 2011
That's over. No more freebies.
crashingechelonMar 17, 2011
Not for me
fairley7Mar 17, 2011
Join a credit union. You can use the ATMs from all credit unions for free. In my area, there are many more credit union ATMs than any single bank including BofA and Chase.
simonjester666Mar 17, 2011
Or you can also join an online bank that pays these fees for you, Just like netflix is pissing off the cable companies, online banks are offering much higher interest rates, paying all the bulls**t ATM and transfer fees of brick and mortar banks and basically providing decent customer service, something the other banks have been unable to do since the 50s.
Closed AccountMar 18, 2011
Can you name a few reputable ones? I'm interested...
simonjester666Mar 18, 2011
Sure, and I should have said "virtual bank" and not "Online bank" but check out: incrediblebank.com
There are several others out there you can check out to compare rates, including one actually called Virtualbank.
They all seem to want to pay all your ATM fees and they all seem to have higher interest rates and customer service ratings.
Closed AccountMar 18, 2011
Do you use it personally? I will check it out, but hearing from someone with money there is a better recommendation.
Thanks.
simonjester666Mar 18, 2011
No, but I have been researching this for some time now and I believe I am going to try them out. I'm not recommending them yet. I have been wanting to dump my bank for a long time now, I have also looked into credit unions.
eraptorMar 18, 2011
Personally, I prefer going full "Ayn Rand" on 'em by closing my bank account/credit cards and switching to a credit union.
If its good enough for conservatives, it must be good enough for the rest of us. "Right"?
brucealmightyMar 17, 2011
The $5 ATM fee for using some other bank's ATM....aka the "Stupid Fee"....
shenerdMar 16, 2011
When it comes to taking our money, banks will always find a way.
zook024Mar 17, 2011
Webster Bank was the first to admit it right in their motto, http://fssweb.net/bankletters/banklogos/Webster_Bank_logo_800x302.jpg
blinker1315Mar 16, 2011
I don't like it, but as someone who remember pre-ATM days (not that long ago), I still think it's a tremendous convenience. People who grew up with ATMs don't realize what a pain in the neck it was to get to your bank on time, and obviously there was no way to get cash on weekends. So, $5 instead of the $3 I pay now is irritating, but there are bigger things to worry about.Comment is buried, click here to see the rest.
ghendricMar 17, 2011
Why can't it be free like it used to be? They still have our money, why do they need more of it?
Closed AccountMar 17, 2011
This story talks about using ATM's that aren't your bank.
norman619Mar 17, 2011
Using your own bank's ATM will still be free. It's when you go to some other's bank's ATM. Try to keep up.
aristotle0dudeMar 17, 2011
You are a little slow aren't you? The fee applies to using the ATM of another bank. For example, if you are a BOA customer and you try to use a Wells Fargo Bank ATM, you will be charged an extra fee but if you use a BOA ATM instead then you avoid fee.
Tell us, how did you take out money from your account at BOA from a Wells Fargo branch back in the day before the advent of ATMs?Comment is buried, click here to see the rest.
ghendricMar 17, 2011
It used to be free no matter which bank ATM you took money out of. I'm fully aware that its free as long as I take it out of my banks ATM machine. That isn't always convenient if you are somewhere where your bank doesn't have an ATM. Before ATM's I went to the bank and took money out. Life was a whole lot simplier back then too.. My whole point is, the banks are always doing business with each other and the whole thing is electronic. Why do they need extra money for an electronic transaction? The banks never have enough money in their valts to cover everyone's account. That's why banks fail if there is a run on the bank.. so pretty much everything they do is electronic..
aristotle0dudeMar 17, 2011
Tuff s**t pal. It's called a "convenience" fee. You can choose to move your arse to your bank's ATM or pay the fee. Nobody is forcing you to be lazy and laziness has a price attached to it.
Why do you think convenience stores are able to charge so much more for everything and still stay in business? They prey on the laziness of people. If you are lazy, it will cost you.
Let me enlighten you people. Every electronic funds transfer costs money when transferring between banks because it goes through either the SWIFT (Europe) or ACH network which is shared between banks. When you withdraw funds from your account at a different branch from your home branch, that transfer occurs over their internal network but if you use another bank, they have to initiate an EFT transfer on your behalf to cover the money you took out of their machine. That is where the fee comes from.
biglouMar 17, 2011
No. Using another bank's ATM is essentially wiring money from your account (which has a fee even at your own bank).
aristotle0dudeMar 18, 2011
@biglou: No, it is like a wire or ACH when done between banks but they use a "transfer" between branches in the same bank which bypasses the regular routing network for interbank transfers.
When you use another bank's ATM, the bank is passing on the fees they pay to withdraw the money from your account.
BluntzworthMar 17, 2011
I hear ya man.
Funny some people don't have a problem with a Bank taking more money from you, to line their pockets, but god forbid the Government wants to raise taxes to pay for s**t we need.
woollymittensMar 17, 2011
ATM's have been here for over a decade. There's no reason to double the price of using one now. Escecially now all the actual branch offices have been closed.
snokageMar 17, 2011
the price is getting raised because Bank's can't make their money elsewhere.
dustinthewind2Mar 17, 2011
Seriously? Banks aren't making money? That's just ignorant.
publiclurkerMar 17, 2011
Well, there's making money and then there's MAKING MONEY. Those corporate Learjets don't just buy themselves you know.
dustinthewind2Mar 17, 2011
Well he said "banks can't make their money elsewhere," which is just not true. This isn't a "oh we better do this or we'll go out of business" thing. This is a "we have a bunch of money, but we want more," thing.
ghendricMar 17, 2011
Yeah they're making money. They're just getting greedy. Talk to a banker about the Fed sometime. Dis the Fed a little bit and they take offense to it.. lol.. I did that once.. lol..
travelsonicMar 17, 2011
"I still think it's a tremendous convenience."
So?
Yes there are bigger things in the world to worry about, but that is a really s**tty excuse to let yourself get ripped off. >_<
norman619Mar 17, 2011
You can' easily avoid the charge by planning ahead. Quit being lazy.
david4041Mar 17, 2011
Not too long ago? More than 25 years ago at BofA in California.
I remember pre-ATM banking hours. To get cash had go to the bank between 10 am and 3 pm, or find store that would cash your check and give you cash back (usually local grocery stores where they knew you).
Never pay ATM fees. If there is no Wells Fargo ATM around, go to a grocery store and buy something small, (e.g. Coke, gum, etc) and get cash back. Usually can get back at least $40. Need more money, buy two Cokes and go through twice.
publiclurkerMar 17, 2011
Be careful doing this in a strange city. I stopped by a chain grocery to buy a soda and get cash back for admission to a show. When I got to the teller, however, I discovered they didn't offer cash back. and this was a chain with over 400 stores.
ryebryeMar 17, 2011
For small amounts of cash you could always "write a check for over" at grocery stores, gas stations, or just about anywhere for that matter.
(Yep, even on weekends)
zbeastMar 17, 2011
I can just go to my home bank or just carry more cash with me.
$2,50 is bad enough $5.00 is outrageous.
norman619Mar 17, 2011
Meh. I never have a problem locating my bank's ATMs when I need one.
jlmawpMar 17, 2011
I live in Chicago and can attest to this. I'm in the middle of a switch from Harris to Chase right now, and made the mistake of using my Harris ATM card on a Chase ATM. A full-out $5. My eyes almost popped out of my head. Good thing too, because I normal just mindlessly press "Accept".
Bring the fees on, assh**es. I'm just as good at dodging that stuff and finding smaller banks that won't screw me over. Cash is over-rated these days anyway.
darkmatter911Mar 17, 2011
If you did not see this s**t coming you have not been paying attention. Now that the banks can no longer punish those that are irresponsible they are coming after everyone else.
bertqbMar 17, 2011
an Ass To Mouth fee, for sure
thatevilguyMar 17, 2011
Ass to Ass!
crashdvisMar 17, 2011
You mean there are unintended consequences of government action? Are you kidding? That never happens.
Closed AccountMar 17, 2011
I can shop at Wal-Mart and get cash without a fee.
cold0008Mar 17, 2011
Walmart may not charge you a fee, just make sure your bank isn't either. I only get 5 free out of bank system debit transactions a month, then they charge me $3 or something. Running the card as credit is free because the merchant pays the transaction charge. They count on it being as confusing as hell and people not reading their bills carefully since they don't have to list the convenience charge separate from the actual charge. Banks count on you not knowing if you spent $53 or $56.
rufus5Mar 17, 2011
I'd rather pay the $5 fee than go into a Walmart.
alienkidMar 17, 2011
I think I'm going to just stop paying for a place to live and for food and just sign over my paychecks to rich CEOs because I think they're right to buy things I'll never be able afford while I struggle to survive is really what America is about.
jbmcbMar 17, 2011
Do you have some kind of inherent right to use the ATM of a bank to which you don't belong? They can charge whatever the hell they want, it's their ATM network. If you don't like it USE YOUR OWN BANK'S ATM. If there aren't any convenient ATMs, switch banks, it's free.Comment is buried, click here to see the rest.
alienkidMar 17, 2011
Of course they can charge anything they want. Does it make right to to take away 2 bus trips to work?, Or a meal for someone's child?
I know people in America think that Capitalism is the greatest thing in the world and that any other "ism" is the most evil thing, but it's depressing knowing that people are ok with people who have more money than they need taking money from people who need more money.
jbmcbMar 17, 2011
Please read the last sentence of my post again. You do understand that the fee only applies if you are using an out-of-network ATM, right? If you are that strapped for cash, switch to a bank with more convenient ATMs. I've done it twice for this very reason, it's cost me nothing.
psypher1Mar 17, 2011
Now why would I want use the ATMs of banks involved historically with slavery, the funding of Hitler's Nazi party and economic scandals that go back into the 1930's?...Hmmm?
That why I use a local Credit Union who works with their clients and not involved in any of that s**t, join the trend if you can. I have no worries. :)
Closed AccountMar 17, 2011
I, too, use a credit union.
psypher1Mar 17, 2011
I don't who the ass was that thumbed you down but I got your back!
jbmcbMar 17, 2011
Wow, the same people are running the banks? What are they, cryogenically frozen or something?
While we're at it, has anyone in your family done anything awful? 'Cause if so, you are a horrible person - guilty by association.Comment is buried, click here to see the rest.
psypher1Mar 17, 2011
@jbmcb: .....I'm going to either assume your a kid, which if so automatically insinuates innocent ignorance. If you happen to be an adult, that will automatically insinuate that you are ignorant by choice. In either case, the hope for you saving face is open so as long as you make a smart move towards doing so, please rethink you comment Sir/Mame.
publiclurkerMar 17, 2011
I'll bet you the price of an overdraft fee that he's simply a bank stooge trying to justify this crap so he can help his boss get a bigger bonus next year.
psypher1Mar 17, 2011
"Bank Stooge", perfect word lolololz!
jbmcbMar 17, 2011
You've successfully ignored my point by responding with an ad-hominem. Good job.
Now, care to respond with something more substantial? What about it? Do you research the history of every company you patronize to make sure they've never done anything untoward in their past? Why does the current incarnation of a particular company bear responsibility for past misdeeds?
psypher1Mar 21, 2011
Listening To the Pharcyde's "Oh s**t" and ignoring you.........................
bosskeyMar 17, 2011
Dugg you up. Credit unions FOR THE WIN.
You get lower interest rates charged to you, and higher interest rates for your money. My ATM withdrawals are always free. And they have a deal with 7-11 so I can get cash at a 7-11 ATM with no fee, which largely addresses the issue of not having a lot of their own branches or ATMs.
Why is all this possible? Because credit unions do not have to maximize profits. Mine stated they did not relax their loan standards and did not have the same losses which banks now have to make up by charging you more.
evildadMar 17, 2011
I think one time I have ever used a foreign ATM, and that was when my bank's ATM was empty (long holiday weekend) so i went to the bank next door. The joke is that with ATM's they've been able to cut bank staff because fewer people are cashing checks.
joemoff2uMar 17, 2011
Gonna b a walk thru the door fee
asielenMar 17, 2011
I have no idea why someone wouldn't use a Credit Union.
mikedothMar 17, 2011
Exactly my thoughts. I haven't paid a fee in years.
goweigusMar 17, 2011
So you aren't any better than them then*? As in neither you nor they know why the other would use their service.
publiclurkerMar 17, 2011
Either you, your grammar teacher, or that sentence should be taken out and shot.
cold0008Mar 17, 2011
co-operative, customer owned, not for profit business' not motivated by greed are providing better services for their customers? That's just anti-american.
socalchrisMar 17, 2011
When I started my business, I tried opening a business account with my local CU. They were clueless. They said that they were requiring forms that my business structure didn't even have. Every person I talked to there gave me a different answer. No one could give me the information I needed to open an account for my LLC. After almost two weeks on the phone and in their office trying to get my account opened, I finally said screw it, and went to Wells Fargo. Within half an hour there I had my accounts opened. My father in law had the same experience at a different CU when he started his business, he also wound up at a large bank.
And on a side note, banks treat their business customers like gold. A few months after I had opened my account, before I had a steady cash flow coming in, a fee that I wasn't aware of was charged against my account, which overdrew it, and charged me an NSF fee. I went in and spoke to them, and within 5 minutes they had waived the fee, reversed the NSF fee, and given me a $50 gift card for the trouble.
Basically, my experience shows me that for personal accounts, use a CU. For business accounts, a bank is the way to go.
meccaydnaMar 17, 2011
I had the exact opposite experience. I've been a CU personal account customer for about a decade, so when it came time to open a business account we went with the same CU. As far as I'm concerned, in the town where I live, when it comes to professionalism the only difference between a bank and a CU is the sign on the wall. The people working there have always been banking and lending professionals.
That's just my case though. But I will say the town here is a little 9,000 population podunk historical place in southern michigan, we're not exactly the bustling metropolis of businesses or anything...
frayedknotjeffMar 17, 2011
That's why I use a Credit Union. They don't even charge to use another Credit Union's ATM machine.
WINNING!
thrillki1lMar 17, 2011
I can already get a $5 atm fee. My schools financial aid is dispursed by HigherOne. It's owned by capitol one. So the cards for our accounts charge us $3.50 if you use an atm that isn't theirs plus the $1.50 fee from the atm. They even charge us if we use our card as debit and not credit. It's because they get a fee from the retailer if it's used as a credit card.
stealthspcMar 17, 2011
Banks have to make money somehow. They aren't charities. You can try to regulate them all your want but they'll just come up with new fees.
Think about everything your bank pays for. A branch to go to, tellers, loan officials, ATM machines, checking accounts, online banking (servers), plastic debit cards, checks, and so on. And to make it even worst, competition forces banks to offer most of this for free. Now imagine big government telling you (the bank) that you can't charge those fees that were paying for all this. Not good at all.Comment is buried, click here to see the rest.
travelsonicMar 17, 2011
"They aren't charities...."
Relevance?
stealthspcMar 17, 2011
They aren't offering a free service to store your money.
woollymittensMar 17, 2011
Banks make money by lending out your savings ninefold against interest. Same as it ever was.
stealthspcMar 17, 2011
Interest rates aren't that great if you haven't noticed.
jimfeetMar 17, 2011
Loan rates are considerably higher than interest paid on the money the bank "borrows" from you. The difference is called gross profit. THAT'S how it's supposed to work and that's how it USED to work.
jbmcbMar 17, 2011
But banks are only allowed to charge so much over the prime interest rate. It's why mortgage rates are still super low right now. It's also partially what got us into this mess - there was practically no margin on loans so banks had to cook up ways to come up with cash. That's when you got these wacky securities. I'm not saying they aren't to blame, but the ridiculously low interest rates were definitely a cause of the meltdown.Comment is buried, click here to see the rest.
realcoolguy9022Mar 17, 2011
Banks are the first to know when the dollar isn't worth as much as it once was. Inflation train, full steam ahead! (Gotta offset the requirements and dollar downturn somehow...)Comment is buried, click here to see the rest.
tobindrakeMar 17, 2011
Banks should get back to making money the way they used to by making loans. These fees are just stupid and just makes me go to another bank and shop my business around.
jbmcbMar 17, 2011
Have you seen what the prime interest rate is? Banks are hardly making any money at all on loans. That's why you see all these weird fees.
jlmawpMar 17, 2011
The banks put themselves in a position not to be able to safely loan money out. It's a good round-about excuse for dicking over our entire economy a few years back. Looks like they'll never learn a lesson either, because people will just take it up the pooper for convenience.
icheapmarketingMar 17, 2011
Let's see what will be happened, saw comments and i think opinion is 50/50
tomhawk604Mar 17, 2011
ya ilike it
tomhawk604Mar 17, 2011
ya ilike it
bcddorianMar 17, 2011
It's OK, it is not too much , >> << <
ryanwbMar 17, 2011
In Vegas I recently paid $8.50 to pull money out of an ATM on the casino floor. At 1:00 am after several drinks you make stupid decisions which they are counting on
I rarely ever use an ATM, cash back from a purchase is where it's at
toxicshokMar 17, 2011
don't worry we won't tell anyone about your shameful actions.
I mean for god sakes man you could have been drinking with that money!
publiclurkerMar 17, 2011
Look on the bright side, you got a better payout than you would from a slot machine.
Closed AccountMar 17, 2011
What I have to say to that, rhymes with 'hunt'.
Closed AccountMar 17, 2011
Stunt?
Closed AccountMar 17, 2011
Good guess buddy? And near enough!
woollymittensMar 17, 2011
How would the bank like it, if I just kept my money in my wallet and my savings in a credit union instead?
ouijimonMar 17, 2011
I'm guessing they wouldn't like it, but that may be what they end up with if they don't reign in their greed.
ubermannMar 17, 2011
I work in the industry - and banks are FREAKING out about the Durbin Amendment. They pose to lose $12-16 billion a year in Debit Interchange Fees that may be capped at $0.12 per transaction instead of 1-2%. Where banks went wrong is to charge similar rates to merchants on Debit (Check) Cards, as on Credit Cards even though banks don't take any credit risk on Debit (the funds are already in your account, they don't extend any credit). They got REALLY used to hosing merchants like this and raked it in. Walmart and some other large corporations came together and made Visa and MC lower Debit Interchange - but this was only a small cut compared to what the Fed wants to do.
Now they are scrambling to make their income in any other way they can think of, including charging more for checking accounts, and yes, higher ATM fees (even though the actual cost of such a transaction is $0.10-$0.25 cents per transaction. Some counter saying that banks have a capital expenditure in setting up the debit networks - but actually most banks use outsourced debit and ATM networks for a small fee.
jpsy422Mar 17, 2011
You eat local, you shop local, you should bank local. Your local small bank (no more than a few branches) will not only give you better perks on your checking accounts (like free ATMs anywhere, even the crazy $5 ones at Chase), but also higher rates on your CD and money market money. There is no need to support the TARP banks. Just make sure you check that they are FDIC insured and you are golden. Im one of few people that can honestly say that I love my bank.
jhaines2Mar 17, 2011
I wholly agree. I belong to a small town bank where they treat you like a human being, however people like you and I are exactly who this is going to hurt. Smaller bank means fewer branches, so anytime we're out of town, which for me is a lot, we're going to be charged outrageous withdrawal fees.
jpsy422Mar 17, 2011
You need to find a local bank that gives you unlimited foreign ATMs. They are out there.
jlmawpMar 17, 2011
Some circumstances are different. I got a mortgage through a small bank, but that loan was sold to Chase Bank. As a result, and for convenience in paying my bills and keep track of my assets, it made sense for me to use Chase as my primary bank. Everyone is different, and for some people local banking doesn't work, or is inefficient or even impossible in there situation.
siccac81Mar 17, 2011
Wouldn't ya know, the Banks want more $$$$$$$$
stackoleeMar 17, 2011
"They breathe profits; they eat the interest on money. If they don't get it, they die the way you die without air, without side-meat."
- John Steinbeck, The Grapes of Wrath, Chapter 5
mouthymadnessMar 17, 2011
ATM? Just go to a supermarket, buy a pack of gum and the machine asks if you cash back. How hard is that? If you want 300 bucks go to your bank!
thecrescentgroupxMar 17, 2011
As a former corporate banker who saw the light and got out, this is not shocking to me. Banks are trying increase their revenue streams to help compensate for their previous blunders.......all at the consumers expense. The governmental regulations passed over the last 18-24 months to protect all of us has also caused the banks to do away with most free accounts and increase the minimum balance for each account in this same effort. Mine went to $1,000 to avoid fees.....anyone else get stuck by their bank?
Java1959Mar 17, 2011
The politicians who wrote the bill to cut fees are the ones at fault. They should have included the proper clauses to prevent this. But since they are probably in cahoots with the banking industry, the purpose of the law was to transfer the charges from the merchants to the consumers. Go figure. It was just "sold" to us as a measure to reign in the banks.
Java1959Mar 17, 2011
Actually in this case they were probably in cahoots with the chamber of commerce.
jbmcbMar 17, 2011
Never ascribe to malice what could more easily be ascribed to incompetence. Ever read up on how bank regulation actually works?
1. Congress passes some regulation law - it just enables the regulatory bodies to control something or another. There are several regulatory agencies, depending on what type of bank it is
2. The regulators try to figure out the specific rules to enact this new regulatory mandate, including integrating the mandate into the existing regulatory framework
3. The regulation enforcers then have to figure out how to make sure the bank is complying with the new rules
4. The bank has to figure out how it's going to comply with the new rules, how those rules are going to affect it's bottom line, and do whatever it can to mitigate these costs
When the sausage comes out at step 4, it may or may not look anything like the ingredients that went in at step 1.
At least it keeps a lot of people employed - reading and writing huge reams of legalese.
esenceofpoultryMar 17, 2011
Is it really that difficult for the government to understand that companies will continue to find ways to be profitable no matter how many regulations you pile on?Comment is buried, click here to see the rest.
scabnabbitMar 17, 2011
'The risk, of course, is that banking customers will feel nickel-and-dimed to death every time they tear open their monthly bank statements.'
The risk, of course, is that banking customers will get fed up over just how nickel-and-dimed to death they are every time they tear open their monthly bank statements and actually act on it.
Fixed it for ya!
nodespikeMar 17, 2011
what's next the corporate retreat fee where each "customer" pays $25 a month to pay for the banks million dollar retreat ??
Come on any one that has dealt with BoA knows about fees!!!
Who is really surprised?
dralezeroMar 17, 2011
I accidentally transfer money from my credit card into my checking instead of transferring money from my checking to pay off the card. Luckily it was a small amount, but I was charge 38 cents for the percentage for requesting money using my card, like you would at a store. Within my online bank account!
dustinthewind2Mar 17, 2011
Figures it'd be the gentlemen at Chase that start this.
cunninglinguistMar 17, 2011
This fee has been in strip-clubs for years.
mixhostingMar 17, 2011
Hmmm, just stop using atm machines. I have never used one.
markwikMar 17, 2011
banks learning a thing or two from OPEC
mlw4428Mar 17, 2011
Just more proof that deregulation of the banking industry has f**ked over Americans more then it has helped them. I wonder, what does it REALLY cost for a bank to pull money from my account at another bank? I somehow doubt it's anywhere close to even $1. But it's OK, it's all about profit for the bank.
The free market will solve this too, right? I mean it's not like it's possible for every bank (or basically every bank) out there to go with this sort of penalty. I mean most banks don't charge ATM fees, right? RIGHT?
Thank god for the Republicans and their Free Market ideas. Thank god for deregulation, things sure have improved since then.
jlmawpMar 17, 2011
I agree with you completely, but you know they won't see it that way. Democrats did this or that or blah blah blah. It's all a bulls**t shield of misinformation that works in the banks' favor.
gr1nd5myg3ar5Mar 17, 2011
Does anybody understand how banks work? if they handed out everything for free you'd never gain interest in your checking or savings accounts, there wouldn't be cd's or any other incentives for you to out your money tere, not to mention pay the people employed in the bank. That being said $5 is absolutely absurd simple math says pull out larger amounts at those high fee atm so as to minimize the percentage of the fee
gr1nd5myg3ar5Mar 17, 2011
Also typically speaking banks have between 2-3% writeoff margins making the interest rates they charge on loans almost negligible because some people just take the money and run or just get in over their heads and default on a purchase with little to no resale value
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ronerxMar 17, 2011
Great! my 'better half' will now pay %50 premium at the nearest ATM to get out $10 bux for McDonalds.... /facepalm
antialiasMar 17, 2011
Why would you pull out cash to go to McDonalds when they take debit cards?
ronerxMar 17, 2011
exactly