posted on Nov, 8 2019 @ 06:04 PM
At our neighborhood mom & pop corner store, there's a quarter surcharge on purchases via debit that are under $4. Some stores charge for cash back,
some don't. Meijer doesn't, AFAIK. Dollar Tree or Dollar General charges a buck around here, one of them, hell if I can remember which.
We seldom use cash back for any reason, though. The last time hubs did that, we were at a Christmas parade last year and wanted the kids to have a few
bucks on hand to get treats/drinks with themselves. We'd planned on stopping by the bank and getting the cash out, but did plain ol' forget about it
on the way.
The simplest way to avoid cash back fees is to actually have a local branch office bank, get off your duff and go IN IT. Yeah, those branchless
online-only shams look great and all, but eff 'em, if I have an issue, I want to be able to sit face to face and sort shiz out, not call a
number or type to a CS rep online. That may or may not be a bot anyway.
I know exactly where all the branches for my bank are in every area we go to, and have a general idea for areas we don't frequent or go to often at
all. I'm not paying someone else's bank for the privilege of pulling out money from their ATM, nor the same for cash back. Same idea there regarding
fees, you're pulling out money and they didn't make a sale, so it's a pseudo-out-of-network-ATM. Pay up.
To be truthful I might in an infrequent pinch like after forgetting to stop at the bank and time doesn't allow for swinging in later, but never on the
regular. Fool is as fool does there, you know what they say about one & his money.