ATMs are available 24/7 at most banks, and in shopping centres, airports, grocery stores and convenience shops. Most ATMs charge a service fee of $2.50 or more per transaction and your home bank may impose additional charges. Withdrawing cash from an ATM using a credit card usually incurs a hefty fee; check with your credit-card company first.
For foreign visitors, ask your bank or credit card company for exact information about using its cards in the U.S. ATMs. If you will be relying on ATMs (not a bad strategy), bring more than one card and carry them separately. The exchange rate on ATM transactions is usually as good as you’ll get anywhere. Before leaving home, notify your bank and credit-card providers of your forthcoming travel plans. Otherwise, you may trigger fraud alerts with atypical spending patterns, which may result in your accounts being temporarily frozen. Smaller businesses may refuse to accept bills larger than $20.
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