Why pay people for your own money? Via FatWallet, here’s a big daddy list of all the banks that refund your ATM fees, regardless of who owns the ATM.

BANKS WITH UNLIMITED ATM REFUNDS NATIONWIDE, WITH NO OR MINIMAL RESTRICTIONS:
Acacia Federal Savings Bank No Fee Choice Checking
Unlimited, reimbursements post monthly

Charles Schwab High Yield Investor Checking
Unlimited; reimbursements post monthly

Community Bank of Pleasant Hill Rewards Checking
Unlimited; reimbursements post same day (rewards requirements do NOT need to be met)

Compass Bank
Unlimited, must mail in ATM receipts to get reimbursements

Ebank eFree Checking
Unlimited; reimbursements post same day

Etrade Max Rate Checking
Unlimited, monthly fee waived with $200 monthly direct deposit; reimbursements post same day

Fidelity mySmart Cash Checking
Unlimited; reimbursements post same day

First Republic Bank
Unlimited, requires $2,500 average balance to waive monthly fee

Imperial Capital Bank Personal iChecking
Unlimited; reimbursements post same day

Mechanics Bank Smart and Easy Checking
Unlimited, with Direct Deposit

PNC Bank
Unlimited, requires $2,000 balance to get reimbursement, reimbursements post monthly

Quantum National Bank SuperFree Checking
Unlimited

Salem Five
Unlimited, requires $1,500 balance to waive monthly fee

State Farm Bank Checking
Unlimited with direct deposit; reimbursements post same day

TD Banknorth SimplyFree Checking
Unlimited for accounts in CT, NJ, PA, and NY-Metro area only, starting 5/31/09 unlimited for all accounts with $2,500 balance, reimbursements post monthly

REWARDS CHECKING ACCOUNTS WITH UNLIMITED ATM REFUNDS NATIONWIDE, AFTER MEETING MONTHLY REQUIREMENTS:
Addison Avenue FCU Dividend Rewards Checking
Unlimited, when rewards requirements are met; reimbursements post monthly

1st Arkansas Bank and Trust FirstNet Checking
Unlimited, when rewards requirements are met; reimbursements post monthly

Bank of Ripley Rewards Checking
Unlimited, when rewards requirements are met; reimbursements post monthly

Charter Bank Turbo Checking
Unlimited, when rewards requirements are met; reimbursements post monthly

City National Bank Rewards Checking
Unlimited, when rewards requirements are met

Community Bank of Raymore Rewards Checking
Unlimited, when rewards requirements are met; reimbursements post monthly

Florence Savings Bank Rewards Checking
Unlimited, when rewards requirements are met; reimbursements post monthly; requirements are month to month

Heartland Community Bank Interest Plus Checking
Unlimited, when rewards requirements are met; reimbursements post monthly

Keystone Bank Rewards Checking
Unlimited, when rewards requirements are met

Ouachita Independent Bank Rewards Checking
Unlimited, when rewards requirements are met

Southern Community Bank & Trust “ME” Checking
Unlimited, when rewards requirements are met

Southern Missouri Bank “PremiumREWARDS” Checking
Unlimited, when rewards requirements are met

Venture Bank Direct Wise Checking
Unlimited, when rewards requirements are met

BANKS OFFERING LIMITED/CAPPED ATM REIMBURSEMENTS:
American Bank Online
$6/month with $1,000 balance

Bank Direct
$10/month – maximum 4 transactions, $2.50 per transaction, requires $2500 balance to waive monthly fee

Bank of Internet
$8/month, requires $5,000 average balance to waive monthly fee

Century Bank Direct
5 transactions/month

Digital Federal Credit Union
$5.00-$10.00/month, depending on account type

Everbank
$6/month, must mail in receipts

First Internet Bank
$6/month, requires $500 balance to waive monthly fee

GMAC MoneyMarket Savings Account
$6/month, maximum 4 withdrawals

Merrill Lynch Beyond Banking account
Maximum $200/year, requires $5,000 avg balance to waive monthly fee

MetLife Bank Money Market
$5/month, requires $1,500 balance to waive monthly fee

Modern Woodmen Bank
$15/month, $3 max per transaction

National City Elite Checking
$60/month, 30 maximum transactions/$2 maxmium per transaction, requires $10,000 balance to waive monthly fee

New Resource Bank
Maximum 10 rebates/month, requires direct deposit or $2,500 balance to waive monthly fee

PSECU (Pennsylvania State Employee Credit Union)
Up to $4.00 a month, limited membership

State Farm Bank Checking
$10/month limit if no direct deposit; reimbursements post same day

UFB Direct
$4.50-$6.00 depending on account type, reimbursements post monthly

UFB Direct Business Banking
$4.50-$6.00 depending on account type, reimbursements post monthly

Umbrella Bank
$7.50/month, requires $500 or direct deposit to waive monthly fee

USAA
$15/month, maximum 10 withdrawals

For the most up-to-date version, check out this post on the FatWallet messageboard. See one we missed? Namedrop it in the comments or join up with FatWallet and add it there.

(Photo: dirtyone30)

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