We all try and avoid paying the $2 to $3 ATM surcharge, but when in a desperate situation (with friends in a cash-only restaurant at midnight), we will begrudgingly accept the extra fees to spare ourselves the hassle. Using the free smartphone app AllPoint—for iOS and Android devices—to scope out the nearest surcharge-free ATM machines can save you a couple dollars the next time you’re in a desperate situation. The app also comes in handy when you’re traveling—the AllPoint network spans across the U.S., Canada, Mexico, Puerto Rico and Australia with over 55,000 surcharge-free locations.
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