10. Find Fee-Free ATMsATM fees are ridiculously high, with many charging around $3 for a transaction outside of your bank. This is easily avoidable by simply checking for the nearest fee-free ATM using your bank's smartphone app. Most large banks have them for both iPhone and Android, and if not you can always save a bookmark for your bank's ATM locator page. Either way you'll be able to check in a pinch and avoid that hefty fee.