ATM machines with no surcharge ... don't pay that ATM withdrawal fee

A great money saving tip concerning no charge ATM withdrawals. According to Bankrate.com, banks charge non-customers an average of $1.78 who use their  ATMs to withdraw money. That's in addition to the average $1.25 fee charged by the customer's own bank for going outside of the ATM network.

It adds up, as some banks even charge up to $3, and an ATM in a popular captive location like an airport might charge even more to withdraw money.  Bank of America increased its surcharge in the summer of 2007 from $2 to $3 for non-BofA customers that withdraw cash from their network of ATM machines.

With a little bit of research, however,  you can find ways to withdraw money from an ATM without paying that fee...

Best bets:

1. Draw from your own banks ATMs, provided they don't levy charges for their own customers.

2. Find a network of free ATMs. Moneypass, for example, is an ATM network that does not add any charges. Here's a few pointers:

• Moneypass No Charge ATM network
• International Bank's Network of Free ATM's in the U.S. and Mexico
•  CO-OP ATM Network Locations - If you have the CO-OP logo on your debit card, they have locations in thousands of 7-11 stores
• Allpoint Free ATM Network - Allpoint claims to be the largest surcharge free ATM network in the U.S.

3. Lastly, use the "cash back" feature offered by many retail stores

You can get cash back when you make a purchase with your debit card. No surcharge, and one less trip to make.