Many Internet banks offer refunds. Mine, for example, (First Internet Bank of Indiana) refunds up to $6/month of charges by other banks ATMs. I’ve never found an ATM that i couldn’t use in the USA, and only a handful in other countries.
As a side benefit, you’ll get much better interest rates than your brick-and-mortar bank (both savings and checkings). I wouldn’t be surprised if this bank went from being your secondary bank to your primary bank. I don’t see why anyone puts up with the insane policies of traditional banks (OK, there are a handful of disadvantages, but non really make a difference to me).
There are many Internet Banks these days. Look around, and find one that works for you.
You can also try and find a store that takes debit cards and gives cash back without charging a fee. My local Pathmark does that. Since my bank doesn’t charge me to use outside ATMs, it’s essentially free.
Following on Cheesesteak, you can do this with any bank’s ATM/debit card at Walgreen’s, Jewel and Dominick’s, at least. But you have to buy something, even a candy bar, to get cash back. There may be a limit, but I’ve never tried to get more than $50.00 this way.
My current bank doesn’t assess an additional fee for getting cash back with a point-of-sale transaction, but my previous bank would charge 25 cents for any point-of-sale transaction in which I entered my PIN, even if I didn’t get any cash back. The only way to escape this charge was to use my bank card as a credit card, and of course I couldn’t get cash back that way. When I mentioned this point to a teller at my previous bank, she brushed aside my criticisms and tried to argue that I would still get hit by hidden costs at my new bank any time I acquired cash through non-ATM channels (I disproved this objection by getting cash back, with no additional charge, at a grocery store purchase the very next morning). At that point my regard for the previous bank’s customer service hit a record low, and I haven’t returned to any branch ever since, even to convert small coins into larger bills (a service they still offer at no cost to customers and non-customers alike).
In my experience as a cashier at the Rite Aid pharmacy, we were allowed to give up to $100 cash back in a debit card transaction. Stricter limits might be imposed by the bank issuing the debit card, but I never ran across any requests for $100 cash back that were denied, barring the obvious exception of too little money in the account.
Certain convenience stores – I think WaWa is one of them – advertise “no fee” ATMs. Of course they can’t control if your own bank charges. That’s why I use Commerce Bank, which never charges a fee, either.
The money back at point of sale gambit has generally worked well for me, too. Heck, back in the day, when there was no such thing as an ATM, I had a check-cashing card at the local supermarket. When I needed cash & couldn’t get to the bank, I’d just go buy something I probably would need eventually anyway and write a check for $30 over the amount.