--- SNaslund@medline.com wrote: From: "Naslund, Steve" <SNaslund@medline.com>

Make a second account at your bank. One account is 'storage' and has all your money. You never use the 'storage account' ATM card for anything outside your bank's ATM machines.

Doubling the service fees from your bank. ---------------------------------------------------- No, it's free. It also depends on the type of accounts you set up. Most banks I have heard of do this for free.

The second one is where you only keep $50-$100 in it. When you use your ATM card it's only this account that's used. Just before you make a purchase, move money from your 'storage account' into your 'active account' and make the purchase.

Don’t really want to be doing transfers with service fees every time I decide to fill up the gas tank. Also, lots of banks will allow overdrafts which creates even more fees and some even auto transfer from one account to another to cover your overdrafts. Also, does nothing for credit cards at all. -------------------------------------------------- This is all under your control. I don't use ATM cards at gas stations or other places like that. Mostly it's for online purchases and to get money from non-bank ATM machines and I pay nothing extra. Last, I don't allow overdrafts. No money in the account; nothing can be bought. scott