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#2 - anonymous (10/21/2013) [-]
They have ATM fees in the US?
As in... you pay for withdrawal of your OWN money?
#116 to #2 - lolollo ONLINE (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.

Stocks.
Bonds.
Grants.
Trades.
Gambling.
Hookers.
Blow.
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 time...as long as you have money.
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.
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 #82 to #2 - bossguycumsplash ONLINE (10/22/2013) [-]
Some do.
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..
#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
#34 to #2 - anonymous (10/21/2013) [-]
That's how they pay for those, dummy.
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
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
User avatar #11 to #2 - iphoneguy (10/21/2013) [-]
WHERE DO YOU LIVE WHERE YOU DON'T?
#16 to #11 - anonymous (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...
#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.
#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.
#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"
-"LEEEEERRRROOOOY JEEEENKIINSS"
#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 ONLINE (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 ONLINE (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.
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/
#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.
#3 to #2 - ayeayeaidan (10/21/2013) [-]
yep. They have some in Britain as well, it sucks
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