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Quote:
feeling like a jerk for going in a store just to use their ATM
Why? I always assumed that the store got compensated for having the machine there. Why else would they waste valuable store space on a huge cash machine?
Typically there will be a regional company, Fly By Night ATM Service, that will rent space in local stores, convenience shops, etc. They own and service the ATMs in those locations. Then they will strike a deal with different banks to allow you to access their ATMs fee-free. It is a lot like the local public phone companies.
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