I know that I personally will begin to set aside X amount of dollars each day to spend on certain items. ie. helps with my budget!
The issue I'm discussing here is not is if they are fair or should the banks be able to do this, rather is this going to help Americans become better, efficient and just more conscious spenders.
Of course there will be stipulations if you use cash, this quote comes from USA today Money:
Be careful, though. Frequent withdrawals from an unfriendly ATM could cost you even more than using your debit card. The average surcharge for using an out-of-network ATM is $2.40, up from $2.33 in 2010, according to Bankrate.com's annual checking account survey. That's on top of your own bank's surcharge, which averaged $1.40 in 2011, according to Bankrate.
