Walmart as no fee ATM - Fiberglass RV


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Old 10-17-2017, 12:46 PM   #1
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Walmart as no fee ATM

If using a debit card to make purchase at Walmart one can elect to get up to $100 cash back. Without ATM fees.

I was in Wyoming at a campground that did not do credit or debit cards so needed cash. As it happens I also needed a few grocery items. Saw the cashback screen on the self serve debit card reader and had a light bulb moment.

Was able to pay for a couple more days at that campground without hitting an out of state bank ATM with fees for the cash. Thought that Walmart service/feature might come in handy for someone else.

Oh and they have good trail mix.
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Old 10-17-2017, 01:28 PM   #2
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Getting cash with a purchase for no fee is the common practice at grocery stores here on the left coast.

Is it different elsewhere?
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Old 10-17-2017, 01:41 PM   #3
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Hasn't it been this way for years?

Also dont use banks - use a credit union and you will get all your ATM fees refunded.
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Old 10-17-2017, 02:06 PM   #4
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We have a grocery down the street with two ATMs. One is sponsored by a different Credit Union from ours, but our CU is are part of a cooperative network so we are not charged fees there.

The other ATM is sponsored by a bank and they will also happily provide service. They will also happily charge us their standard fee.

Being cheap in little ways like that is one thing I am pretty good at.

It helps pay for things I don't need, like travel trailers...
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Old 10-17-2017, 02:30 PM   #5
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Maybe sometime soon USA will outlaw these crazy chrges.
Australia has started the ball rolling...
Down under gets it right
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Old 10-17-2017, 04:47 PM   #6
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Being cheap in little ways like that is one thing I am pretty good at.
That's the main reason why rich people are rich - they spend less than earn.
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Old 10-17-2017, 05:12 PM   #7
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We don't have a bank card , cash card , debit card ,or any other except for playing cards . No banking service is FREE , there is a cost involved for any transaction of funds . We don't use these banking services yet we end up covering the costs .
Go to Walmart , buy your pack of gum , get your cash and then brag how you conned the system.
I'd rather pay my own way , it's a matter of personnal pride.!
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Old 10-17-2017, 05:19 PM   #8
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We don't have a bank card , cash card , debit card ,or any other except for playing cards . No banking service is FREE , there is a cost involved for any transaction of funds .
This is a wrong assumption. I EARN money by using debit or credit cards and always keep my money on interest earning no fees bank accounts.
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Old 10-17-2017, 05:27 PM   #9
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This is a wrong assumption. I EARN money by using debit or credit cards and always keep my money on interest earning no fees bank accounts.
Actually, the cost of you using your debit or credit card is built into the product you are buying, so you are paying.
I rage against points cards ( to no avail ). I have to pay more for a product so that the store can give me Air Miles, which means they have to pay Air Miles to manage the points ( and pay their executives ).
It's a sucker's game and I are one, no matter how much I complain.
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Old 10-17-2017, 05:33 PM   #10
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Points cards make no sense, I agree. Cash back cards make sense. When those fees are already included to the goods price (I know it, I'm a business owner and I accept credit cards), why not "use the system"?
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Old 10-17-2017, 05:46 PM   #11
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We don't have a bank card , cash card , debit card ,or any other except for playing cards . No banking service is FREE , there is a cost involved for any transaction of funds . We don't use these banking services yet we end up covering the costs .
Go to Walmart , buy your pack of gum , get your cash and then brag how you conned the system.
I'd rather pay my own way , it's a matter of personnal pride.!
Steve,

You are missing out on free money.
My credit union pays me 4% on my current account.
My no-fee credit card gives me unlimited cash back.
Seriously.
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Old 10-17-2017, 05:47 PM   #12
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Points cards make no sense, I agree. Cash back cards make sense. When those fees are already included to the goods price (I know it, I'm a business owner and I accept credit cards), why not "use the system"?
Your correct , I get the privilege of paying MORE for my purchases in order to cover the cost of your credit transactions and so you get cash back from some mysterious source.
I live in a rural community and many of the local businesses now add 5% to your bill if you pay with a credit or debit card .
Like the owner of our local auto garage says " Why should people who pay in cash get penalized "
Like you said " Your using the system " at my expense.

By the way there is no such thing as free money , someone has to pay the bill .
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Old 10-17-2017, 06:25 PM   #13
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I live in a rural community and many of the local businesses now add 5% to your bill if you pay with a credit or debit card .
They better hope the card companies don't find out because they can't do that according to their contracts.
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Old 10-17-2017, 06:40 PM   #14
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Cars for $500 under invoice, free cash back, free, free, free. Nothing is so expensive as free. It all has to come from someplace.

It's like a political cartoon I saw with the president dancing along pulling dollar bills out of a wallet and tossing them into the air behind him. One observer looks real pleased, all excited and happy-like. The other says "It's your wallet!"

After some years of the credit-card rewards becoming more and more prevalent, I decided that rather than subsidizing my neighbors airline miles, I would just react by "getting mine". It felt really strange when I started using a credit card at the grocery stores. After several years, I guess it stopped feeling so strange. But it still feels wrong. It's a shell game.

I believe that here in Washington State, merchants are not allowed to tack on a fee for credit or debit card users. I used to see it done in the little gro-gas stores, but I don't recall seeing that in a long while. So, you can either subsidize others or go with prevailing practice.

Maybe one day some executive at Visa or one of the other big financial firms will have a big customer appreciation day and they'll invite us all to a picnic at their mansion. Then we can snub 'em and make them feel all sad and lonely. How's that sound for an action plan?
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