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If you're one of the people who uses your ATM card everywhere and think you're always getting charged additional fees, you're reading the right article. There are ways to avoid the fees. It just takes a bit of planning ahead. Here are some of the ways banks are charging you, and how you can save money each month by avoiding these extra fees.

• Banks have to tell you what fees they'll be charging. You particular bank is required by law to either give you an information sheet about all the fees you'll be expected to pay, or sit down with you and discuss those fees.
• You could be charged every time you use the card. Some banks charge a nickel or a dime every time you use your card.
• You could be charged a monthly fee. Some banks will charge you several dollars just for the convenience of using the card. That amount will be automatically deducted from your account.
• Fees might be waived if you keep a certain amount in your account. Some banks charge fees, but won't charge you the fees if you deposit a certain amount of money in the account each month, or if you maintain a certain balance.
• You will be charged if you use your ATM card at a machine not maintained by your bank. If you use an ATM machine other than one at your bank, you'll probably be charged a couple of dollars.
• Use your card only at your bank's machines. If you will be away from your bank for a set period of time, you have a couple of choices: you can either withdraw plenty of cash for your trip before you leave, or use your card at a machine in the city you'll be visiting and pay a fee.