What should you do when the bank is closed, you need some cash, and there’s no ATM handy that doesn’t charge piles of fees? Sure, you could join a bank with no local branches that refunds ATM fees, like USAA, Schwab, or Ally. Some local banks do this, too, but if the branch isn’t open, you can’t go open a new account. That’s when you open an account at the Bank of Hot Wheels. [More]