credit union vs banks
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If you're a customer of a small bank or credit union with limited access to fee-free ATMs, consider asking your financial institution to look into joining pre-existing, surcharge-free ATM networks like 
Some of Wells Fargo's customers experienced an service outage that lasted about 24 hours, according to the Associated Press. Affected customers were unable to get cash or use their debit cards.
From the S P-I:
San Francisco-based Wells Fargo would not say how many customers or machines were affected but acknowledged that services were down throughout the company -- from personal banking and Wells Fargo corporate Web sites and ATMs to the processing of mortgage and student loans.
"Customers may continue to experience transaction difficulties or delays in our stores, at ATMs and at the point-of-sale ... and processing for some mortgage, home equity, student loans and remittances," Wells Fargo spokeswoman Julia Tunis said. "Our systems teams are working to fix those problems and we hope to have all channels fully available soon." If you have a Wells Fargo account you might want to drop by a teller to get some cash for the next few days while they get this stuff ironed out.
Bank of America has rolled out over the past yearATMs that don't require you to put your money or checks in an envelope when you deposit. Just shove the bills and checks in the slot. 
Churches are 
US PIRG says they've obtained legitimate documentation that says Bank of America will be raising their ATM surcharges for non-customers to $3 at most locations. The change will take place on July 31st.
From US PIRG:
Surcharges are the double-dipping fees imposed on non-customers and will be raised at BofA ATMs attached to their branches and in in-store locations (but not those in malls or airports). In Illinois (but not Chicago, where fees will not increase), New York, Nevada, New Mexico, and Massachusetts, they'll wait a month until August 31st. Chicago must be a new or important market for them, I guess. Yes, Chicago is both a new and important market for BoA as they take over LaSalle Bank and become Chicago's largest bank.
US PIRG has some quotes from the paperwork they obtained:
In their talking points to "market presidents," BofA flacks advise:
Bank of America may be an industry leader in raising the fee to $3 and most likely will draw attention from the press, state legislators, consumer advocates and Congress given the size of our network.
Duh.
And in a set of FAQs, check out this corporate double-speak answer:
Does it cost any more for you to process transactions for non-customers? The bank continues to make significant investments in its ATM network and we continue to grow the network for the convenience of our customers. If you're not a customer of Bank of America, feel free to avoid using their ATMs.
Are you one of those people who is too lazy to use their own bank's ATM, and therefore is always using ATMs that charge a fee? We noticed the other day that ETrade has a checking account where they promise to refund your ATM fees... and pay you interest.
They claim that any fees charged to you by any ATM will be refunded by the end of they day. There's a $15 monthly fee for accounts