What REALLY grinds your gears?

[Monkeydad]

New gear grinder...

Now I've been seeing a $1.00 charge anytime you your PIN on the debit card.

I have always processed purchases as credit instead of debit, but a month or so ago I asked for cash back and ran it as debit. I saw a $1.00 "PIN use fee" deducted from my account. A few weeks later, I used an ATM for cash. I always use M&T Bank's ATMs because they have no surcharges, even if you don't have an account with them and are everywhere around here. Again, that "PIN use fee" despite my use of a fee-free ATM.

I used to always use the "free" ATMs and cash back at registers to get cash without paying a fee. Now, the only way for me to get access to my own cash without paying a fee is going to be writing a check out to cash or making a withdrawl at my credit union at the counter, both inconvenient.

I've always used my bank card as credit when swiping, so the only time I get nailed with this is when getting cash. My wife went to the grocery store and swiped the card as a debit card...got nailed with the $1.00 fee again! I've made sure she knows not to do that again.

Thieves! For ATMs with a fee, you're going to get nailed twice on the same transaction. Double-dipping on a single transactions should be illegal, even if it's two different institutions.